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$65,487
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,524
−HK$2,070/mo
Today · 4.125%
HK$69,594
baseline
▲ 0.50% · 4.625%
HK$73,828
+HK$4,234/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,188/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,854
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,808
−HK$1,982/mo
Today · 4.125%
HK$76,790
baseline
▲ 0.50% · 4.625%
HK$80,837
+HK$4,047/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,580/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,584
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,029
−HK$2,483/mo
Today · 4.125%
HK$83,512
baseline
▲ 0.50% · 4.625%
HK$88,594
+HK$5,082/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,024/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,424
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,769
−HK$2,379/mo
Today · 4.125%
HK$92,148
baseline
▲ 0.50% · 4.625%
HK$97,005
+HK$4,857/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,296/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,682
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,534
−HK$2,897/mo
Today · 4.125%
HK$97,431
baseline
▲ 0.50% · 4.625%
HK$103,359
+HK$5,928/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$194,862/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,995
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,731
−HK$2,775/mo
Today · 4.125%
HK$107,506
baseline
▲ 0.50% · 4.625%
HK$113,172
+HK$5,666/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$215,012/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,877
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,543
−HK$3,725/mo
Today · 4.125%
HK$125,268
baseline
▲ 0.50% · 4.625%
HK$132,891
+HK$7,623/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,536/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,136
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,654
−HK$3,567/mo
Today · 4.125%
HK$138,221
baseline
▲ 0.50% · 4.625%
HK$145,507
+HK$7,286/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,442/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,563 · Scale 2, in force from 26 Feb 2026)