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$65,505
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,542
−HK$2,070/mo
Today · 4.125%
HK$69,612
baseline
▲ 0.50% · 4.625%
HK$73,848
+HK$4,236/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,224/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,873
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,828
−HK$1,982/mo
Today · 4.125%
HK$76,810
baseline
▲ 0.50% · 4.625%
HK$80,859
+HK$4,049/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,620/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,606
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,051
−HK$2,484/mo
Today · 4.125%
HK$83,535
baseline
▲ 0.50% · 4.625%
HK$88,618
+HK$5,083/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,070/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,448
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,793
−HK$2,379/mo
Today · 4.125%
HK$92,172
baseline
▲ 0.50% · 4.625%
HK$97,031
+HK$4,859/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,344/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,707
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,559
−HK$2,898/mo
Today · 4.125%
HK$97,457
baseline
▲ 0.50% · 4.625%
HK$103,387
+HK$5,930/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,914/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,023
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$104,759
−HK$2,776/mo
Today · 4.125%
HK$107,535
baseline
▲ 0.50% · 4.625%
HK$113,203
+HK$5,668/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,070/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,908
−HK$7,394/mo
▼ 0.25% · 3.875%
HK$121,576
−HK$3,726/mo
Today · 4.125%
HK$125,302
baseline
▲ 0.50% · 4.625%
HK$132,927
+HK$7,625/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,604/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,172
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$134,690
−HK$3,569/mo
Today · 4.125%
HK$138,259
baseline
▲ 0.50% · 4.625%
HK$145,546
+HK$7,287/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,518/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,893 · Scale 2, in force from 26 Feb 2026)