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$65,668
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,711
−HK$2,075/mo
Today · 4.125%
HK$69,786
baseline
▲ 0.50% · 4.625%
HK$74,032
+HK$4,246/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,572/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,055
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,014
−HK$1,988/mo
Today · 4.125%
HK$77,002
baseline
▲ 0.50% · 4.625%
HK$81,061
+HK$4,059/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,004/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,802
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,253
−HK$2,490/mo
Today · 4.125%
HK$83,743
baseline
▲ 0.50% · 4.625%
HK$88,839
+HK$5,096/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,486/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,666
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,017
−HK$2,385/mo
Today · 4.125%
HK$92,402
baseline
▲ 0.50% · 4.625%
HK$97,273
+HK$4,871/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,804/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,935
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,795
−HK$2,905/mo
Today · 4.125%
HK$97,700
baseline
▲ 0.50% · 4.625%
HK$103,645
+HK$5,945/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,400/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,277
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,020
−HK$2,783/mo
Today · 4.125%
HK$107,803
baseline
▲ 0.50% · 4.625%
HK$113,485
+HK$5,682/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,606/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,202
−HK$7,413/mo
▼ 0.25% · 3.875%
HK$121,879
−HK$3,736/mo
Today · 4.125%
HK$125,615
baseline
▲ 0.50% · 4.625%
HK$133,258
+HK$7,643/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,230/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,499
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,026
−HK$3,577/mo
Today · 4.125%
HK$138,603
baseline
▲ 0.50% · 4.625%
HK$145,909
+HK$7,306/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,206/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,936 · Scale 2, in force from 26 Feb 2026)