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$65,467
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,503
−HK$2,069/mo
Today · 4.125%
HK$69,572
baseline
▲ 0.50% · 4.625%
HK$73,806
+HK$4,234/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,144/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,831
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,785
−HK$1,981/mo
Today · 4.125%
HK$76,766
baseline
▲ 0.50% · 4.625%
HK$80,813
+HK$4,047/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,532/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,560
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,004
−HK$2,483/mo
Today · 4.125%
HK$83,487
baseline
▲ 0.50% · 4.625%
HK$88,567
+HK$5,080/mo
Deposit HK$11.48M · loan HK$17.23M · min. income ≈ HK$166,974/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,398
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,741
−HK$2,378/mo
Today · 4.125%
HK$92,119
baseline
▲ 0.50% · 4.625%
HK$96,975
+HK$4,856/mo
Deposit HK$11.48M · loan HK$17.23M · min. income ≈ HK$184,238/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,654
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,505
−HK$2,896/mo
Today · 4.125%
HK$97,401
baseline
▲ 0.50% · 4.625%
HK$103,328
+HK$5,927/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$194,802/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,964
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,698
−HK$2,775/mo
Today · 4.125%
HK$107,473
baseline
▲ 0.50% · 4.625%
HK$113,138
+HK$5,665/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$214,946/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,840
−HK$7,390/mo
▼ 0.25% · 3.875%
HK$121,506
−HK$3,724/mo
Today · 4.125%
HK$125,230
baseline
▲ 0.50% · 4.625%
HK$132,850
+HK$7,620/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$250,460/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,096
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,612
−HK$3,567/mo
Today · 4.125%
HK$138,179
baseline
▲ 0.50% · 4.625%
HK$145,463
+HK$7,284/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$276,358/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,189 · Scale 2, in force from 26 Feb 2026)