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$65,550
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,589
−HK$2,072/mo
Today · 4.125%
HK$69,661
baseline
▲ 0.50% · 4.625%
HK$73,899
+HK$4,238/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,322/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,924
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,880
−HK$1,984/mo
Today · 4.125%
HK$76,864
baseline
▲ 0.50% · 4.625%
HK$80,915
+HK$4,051/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,728/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,660
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,107
−HK$2,486/mo
Today · 4.125%
HK$83,593
baseline
▲ 0.50% · 4.625%
HK$88,679
+HK$5,086/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$167,186/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,509
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,856
−HK$2,381/mo
Today · 4.125%
HK$92,237
baseline
▲ 0.50% · 4.625%
HK$97,098
+HK$4,861/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$184,474/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,770
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,625
−HK$2,900/mo
Today · 4.125%
HK$97,525
baseline
▲ 0.50% · 4.625%
HK$103,459
+HK$5,934/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$195,050/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,094
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$104,832
−HK$2,777/mo
Today · 4.125%
HK$107,609
baseline
▲ 0.50% · 4.625%
HK$113,282
+HK$5,673/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$215,218/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,990
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$121,661
−HK$3,728/mo
Today · 4.125%
HK$125,389
baseline
▲ 0.50% · 4.625%
HK$133,019
+HK$7,630/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$250,778/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,263
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$134,784
−HK$3,571/mo
Today · 4.125%
HK$138,355
baseline
▲ 0.50% · 4.625%
HK$145,648
+HK$7,293/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$276,710/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,742 · Scale 2, in force from 26 Feb 2026)