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$65,616
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$67,657
−HK$2,074/mo
Today · 4.125%
HK$69,731
baseline
▲ 0.50% · 4.625%
HK$73,974
+HK$4,243/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$139,462/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,997
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$74,955
−HK$1,986/mo
Today · 4.125%
HK$76,941
baseline
▲ 0.50% · 4.625%
HK$80,997
+HK$4,056/mo
Deposit HK$14.39M · loan HK$14.39M · min. income ≈ HK$153,882/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,739
−HK$4,938/mo
▼ 0.25% · 3.875%
HK$81,188
−HK$2,489/mo
Today · 4.125%
HK$83,677
baseline
▲ 0.50% · 4.625%
HK$88,768
+HK$5,091/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$167,354/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,597
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$89,946
−HK$2,383/mo
Today · 4.125%
HK$92,329
baseline
▲ 0.50% · 4.625%
HK$97,196
+HK$4,867/mo
Deposit HK$11.51M · loan HK$17.27M · min. income ≈ HK$184,658/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,862
−HK$5,761/mo
▼ 0.25% · 3.875%
HK$94,720
−HK$2,903/mo
Today · 4.125%
HK$97,623
baseline
▲ 0.50% · 4.625%
HK$103,563
+HK$5,940/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,246/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,222,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,196
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$104,937
−HK$2,780/mo
Today · 4.125%
HK$107,717
baseline
▲ 0.50% · 4.625%
HK$113,395
+HK$5,678/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,434/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,222,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,109
−HK$7,406/mo
▼ 0.25% · 3.875%
HK$121,783
−HK$3,732/mo
Today · 4.125%
HK$125,515
baseline
▲ 0.50% · 4.625%
HK$133,152
+HK$7,637/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$251,030/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,395
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$134,919
−HK$3,575/mo
Today · 4.125%
HK$138,494
baseline
▲ 0.50% · 4.625%
HK$145,794
+HK$7,300/mo
Deposit HK$2.88M · loan HK$25.90M · min. income ≈ HK$276,988/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,968 · Scale 2, in force from 26 Feb 2026)