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$65,557
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,596
−HK$2,072/mo
Today · 4.125%
HK$69,668
baseline
▲ 0.50% · 4.625%
HK$73,907
+HK$4,239/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,336/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,931
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,887
−HK$1,984/mo
Today · 4.125%
HK$76,871
baseline
▲ 0.50% · 4.625%
HK$80,923
+HK$4,052/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,742/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,668
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,115
−HK$2,486/mo
Today · 4.125%
HK$83,601
baseline
▲ 0.50% · 4.625%
HK$88,688
+HK$5,087/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$167,202/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,517
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,864
−HK$2,382/mo
Today · 4.125%
HK$92,246
baseline
▲ 0.50% · 4.625%
HK$97,108
+HK$4,862/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$184,492/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,779
−HK$5,756/mo
▼ 0.25% · 3.875%
HK$94,634
−HK$2,901/mo
Today · 4.125%
HK$97,535
baseline
▲ 0.50% · 4.625%
HK$103,469
+HK$5,934/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$195,070/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,103
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,842
−HK$2,778/mo
Today · 4.125%
HK$107,620
baseline
▲ 0.50% · 4.625%
HK$113,293
+HK$5,673/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$215,240/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,002
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$121,672
−HK$3,730/mo
Today · 4.125%
HK$125,402
baseline
▲ 0.50% · 4.625%
HK$133,032
+HK$7,630/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$250,804/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,276
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$134,797
−HK$3,571/mo
Today · 4.125%
HK$138,368
baseline
▲ 0.50% · 4.625%
HK$145,662
+HK$7,294/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$276,736/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,861 · Scale 2, in force from 26 Feb 2026)