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$65,328
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,360
−HK$2,064/mo
Today · 4.125%
HK$69,424
baseline
▲ 0.50% · 4.625%
HK$73,649
+HK$4,225/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,848/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,676
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,626
−HK$1,977/mo
Today · 4.125%
HK$76,603
baseline
▲ 0.50% · 4.625%
HK$80,641
+HK$4,038/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,206/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,393
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,832
−HK$2,477/mo
Today · 4.125%
HK$83,309
baseline
▲ 0.50% · 4.625%
HK$88,378
+HK$5,069/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,618/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,212
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,551
−HK$2,373/mo
Today · 4.125%
HK$91,924
baseline
▲ 0.50% · 4.625%
HK$96,769
+HK$4,845/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,848/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,459
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,304
−HK$2,890/mo
Today · 4.125%
HK$97,194
baseline
▲ 0.50% · 4.625%
HK$103,108
+HK$5,914/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,388/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,747
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,476
−HK$2,768/mo
Today · 4.125%
HK$107,244
baseline
▲ 0.50% · 4.625%
HK$112,897
+HK$5,653/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,488/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,590
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$121,248
−HK$3,716/mo
Today · 4.125%
HK$124,964
baseline
▲ 0.50% · 4.625%
HK$132,568
+HK$7,604/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,928/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,818
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,326
−HK$3,559/mo
Today · 4.125%
HK$137,885
baseline
▲ 0.50% · 4.625%
HK$145,153
+HK$7,268/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,770/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,596 · Scale 2, in force from 26 Feb 2026)