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$65,200
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,228
−HK$2,060/mo
Today · 4.125%
HK$69,288
baseline
▲ 0.50% · 4.625%
HK$73,504
+HK$4,216/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,576/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,534
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,479
−HK$1,974/mo
Today · 4.125%
HK$76,453
baseline
▲ 0.50% · 4.625%
HK$80,482
+HK$4,029/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,906/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,239
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,673
−HK$2,473/mo
Today · 4.125%
HK$83,146
baseline
▲ 0.50% · 4.625%
HK$88,205
+HK$5,059/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$166,292/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,041
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,375
−HK$2,368/mo
Today · 4.125%
HK$91,743
baseline
▲ 0.50% · 4.625%
HK$96,579
+HK$4,836/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$183,486/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,279
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,119
−HK$2,884/mo
Today · 4.125%
HK$97,003
baseline
▲ 0.50% · 4.625%
HK$102,906
+HK$5,903/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$194,006/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,547
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,271
−HK$2,763/mo
Today · 4.125%
HK$107,034
baseline
▲ 0.50% · 4.625%
HK$112,675
+HK$5,641/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$214,068/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,359
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,010
−HK$3,709/mo
Today · 4.125%
HK$124,719
baseline
▲ 0.50% · 4.625%
HK$132,307
+HK$7,588/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$249,438/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,561
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,062
−HK$3,553/mo
Today · 4.125%
HK$137,615
baseline
▲ 0.50% · 4.625%
HK$144,868
+HK$7,253/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$275,230/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,205 · Scale 2, in force from 26 Feb 2026)