The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$65,458
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,494
−HK$2,069/mo
Today · 4.125%
HK$69,563
baseline
▲ 0.50% · 4.625%
HK$73,795
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,126/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,220,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,821
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,774
−HK$1,982/mo
Today · 4.125%
HK$76,756
baseline
▲ 0.50% · 4.625%
HK$80,802
+HK$4,046/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,512/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,220,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,550
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,993
−HK$2,482/mo
Today · 4.125%
HK$83,475
baseline
▲ 0.50% · 4.625%
HK$88,555
+HK$5,080/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,950/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,386
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,729
−HK$2,378/mo
Today · 4.125%
HK$92,107
baseline
▲ 0.50% · 4.625%
HK$96,962
+HK$4,855/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,214/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,641
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,492
−HK$2,896/mo
Today · 4.125%
HK$97,388
baseline
▲ 0.50% · 4.625%
HK$103,314
+HK$5,926/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,776/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,950
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,684
−HK$2,774/mo
Today · 4.125%
HK$107,458
baseline
▲ 0.50% · 4.625%
HK$113,122
+HK$5,664/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,916/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,824
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,489
−HK$3,724/mo
Today · 4.125%
HK$125,213
baseline
▲ 0.50% · 4.625%
HK$132,832
+HK$7,619/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$250,426/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,078
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,594
−HK$3,566/mo
Today · 4.125%
HK$138,160
baseline
▲ 0.50% · 4.625%
HK$145,443
+HK$7,283/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$276,320/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,023 · Scale 2, in force from 26 Feb 2026)