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$65,603
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,643
−HK$2,073/mo
Today · 4.125%
HK$69,716
baseline
▲ 0.50% · 4.625%
HK$73,959
+HK$4,243/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$139,432/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,982
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$74,940
−HK$1,985/mo
Today · 4.125%
HK$76,925
baseline
▲ 0.50% · 4.625%
HK$80,980
+HK$4,055/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$153,850/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,723
−HK$4,937/mo
▼ 0.25% · 3.875%
HK$81,172
−HK$2,488/mo
Today · 4.125%
HK$83,660
baseline
▲ 0.50% · 4.625%
HK$88,750
+HK$5,090/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$167,320/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,579
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,928
−HK$2,382/mo
Today · 4.125%
HK$92,310
baseline
▲ 0.50% · 4.625%
HK$97,176
+HK$4,866/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$184,620/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,844
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,701
−HK$2,902/mo
Today · 4.125%
HK$97,603
baseline
▲ 0.50% · 4.625%
HK$103,542
+HK$5,939/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,206/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,175
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$104,915
−HK$2,780/mo
Today · 4.125%
HK$107,695
baseline
▲ 0.50% · 4.625%
HK$113,372
+HK$5,677/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,390/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,085
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,758
−HK$3,732/mo
Today · 4.125%
HK$125,490
baseline
▲ 0.50% · 4.625%
HK$133,125
+HK$7,635/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$250,980/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,368
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$134,891
−HK$3,574/mo
Today · 4.125%
HK$138,465
baseline
▲ 0.50% · 4.625%
HK$145,764
+HK$7,299/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$276,930/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,719 · Scale 2, in force from 26 Feb 2026)