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$65,438
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,474
−HK$2,068/mo
Today · 4.125%
HK$69,542
baseline
▲ 0.50% · 4.625%
HK$73,773
+HK$4,231/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,084/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,800
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,752
−HK$1,981/mo
Today · 4.125%
HK$76,733
baseline
▲ 0.50% · 4.625%
HK$80,777
+HK$4,044/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,466/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,526
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,969
−HK$2,481/mo
Today · 4.125%
HK$83,450
baseline
▲ 0.50% · 4.625%
HK$88,528
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,900/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,359
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,702
−HK$2,377/mo
Today · 4.125%
HK$92,079
baseline
▲ 0.50% · 4.625%
HK$96,933
+HK$4,854/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,158/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,614
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,463
−HK$2,896/mo
Today · 4.125%
HK$97,359
baseline
▲ 0.50% · 4.625%
HK$103,283
+HK$5,924/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,718/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,919
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,653
−HK$2,773/mo
Today · 4.125%
HK$107,426
baseline
▲ 0.50% · 4.625%
HK$113,088
+HK$5,662/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,852/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,789
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,453
−HK$3,722/mo
Today · 4.125%
HK$125,175
baseline
▲ 0.50% · 4.625%
HK$132,792
+HK$7,617/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,350/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,039
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,554
−HK$3,565/mo
Today · 4.125%
HK$138,119
baseline
▲ 0.50% · 4.625%
HK$145,399
+HK$7,280/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,238/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,658 · Scale 2, in force from 26 Feb 2026)