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$65,484
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,521
−HK$2,069/mo
Today · 4.125%
HK$69,590
baseline
▲ 0.50% · 4.625%
HK$73,825
+HK$4,235/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,180/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,850
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,804
−HK$1,982/mo
Today · 4.125%
HK$76,786
baseline
▲ 0.50% · 4.625%
HK$80,833
+HK$4,047/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,572/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,581
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,025
−HK$2,483/mo
Today · 4.125%
HK$83,508
baseline
▲ 0.50% · 4.625%
HK$88,590
+HK$5,082/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,016/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,420
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,765
−HK$2,378/mo
Today · 4.125%
HK$92,143
baseline
▲ 0.50% · 4.625%
HK$97,000
+HK$4,857/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,286/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,677
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,529
−HK$2,897/mo
Today · 4.125%
HK$97,426
baseline
▲ 0.50% · 4.625%
HK$103,355
+HK$5,929/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$194,852/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,990
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,725
−HK$2,775/mo
Today · 4.125%
HK$107,500
baseline
▲ 0.50% · 4.625%
HK$113,167
+HK$5,667/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$215,000/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,871
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,537
−HK$3,725/mo
Today · 4.125%
HK$125,262
baseline
▲ 0.50% · 4.625%
HK$132,884
+HK$7,622/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,524/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,130
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,647
−HK$3,568/mo
Today · 4.125%
HK$138,215
baseline
▲ 0.50% · 4.625%
HK$145,500
+HK$7,285/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,430/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,505 · Scale 2, in force from 26 Feb 2026)