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$65,348
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$67,381
−HK$2,065/mo
Today · 4.125%
HK$69,446
baseline
▲ 0.50% · 4.625%
HK$73,672
+HK$4,226/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,892/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,217,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,699
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,649
−HK$1,978/mo
Today · 4.125%
HK$76,627
baseline
▲ 0.50% · 4.625%
HK$80,666
+HK$4,039/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,254/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,217,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,418
−HK$4,917/mo
▼ 0.25% · 3.875%
HK$80,857
−HK$2,478/mo
Today · 4.125%
HK$83,335
baseline
▲ 0.50% · 4.625%
HK$88,406
+HK$5,071/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,670/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,239
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,579
−HK$2,373/mo
Today · 4.125%
HK$91,952
baseline
▲ 0.50% · 4.625%
HK$96,799
+HK$4,847/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,904/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,487
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,333
−HK$2,892/mo
Today · 4.125%
HK$97,225
baseline
▲ 0.50% · 4.625%
HK$103,140
+HK$5,915/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,450/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,217,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,779
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,509
−HK$2,769/mo
Today · 4.125%
HK$107,278
baseline
▲ 0.50% · 4.625%
HK$112,932
+HK$5,654/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,556/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,217,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,627
−HK$7,376/mo
▼ 0.25% · 3.875%
HK$121,286
−HK$3,717/mo
Today · 4.125%
HK$125,003
baseline
▲ 0.50% · 4.625%
HK$132,609
+HK$7,606/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$250,006/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,859
−HK$7,069/mo
▼ 0.25% · 3.875%
HK$134,368
−HK$3,560/mo
Today · 4.125%
HK$137,928
baseline
▲ 0.50% · 4.625%
HK$145,199
+HK$7,271/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$275,856/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,976 · Scale 2, in force from 26 Feb 2026)