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$65,437
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,472
−HK$2,068/mo
Today · 4.125%
HK$69,540
baseline
▲ 0.50% · 4.625%
HK$73,771
+HK$4,231/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,080/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,797
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,750
−HK$1,980/mo
Today · 4.125%
HK$76,730
baseline
▲ 0.50% · 4.625%
HK$80,775
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,460/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,524
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,966
−HK$2,482/mo
Today · 4.125%
HK$83,448
baseline
▲ 0.50% · 4.625%
HK$88,526
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,896/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,357
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,700
−HK$2,377/mo
Today · 4.125%
HK$92,077
baseline
▲ 0.50% · 4.625%
HK$96,930
+HK$4,853/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,154/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,611
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,461
−HK$2,895/mo
Today · 4.125%
HK$97,356
baseline
▲ 0.50% · 4.625%
HK$103,280
+HK$5,924/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,712/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,916
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,650
−HK$2,773/mo
Today · 4.125%
HK$107,423
baseline
▲ 0.50% · 4.625%
HK$113,085
+HK$5,662/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,846/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,786
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,450
−HK$3,722/mo
Today · 4.125%
HK$125,172
baseline
▲ 0.50% · 4.625%
HK$132,788
+HK$7,616/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,344/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,035
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,550
−HK$3,565/mo
Today · 4.125%
HK$138,115
baseline
▲ 0.50% · 4.625%
HK$145,395
+HK$7,280/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,230/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,623 · Scale 2, in force from 26 Feb 2026)