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$65,494
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,531
−HK$2,070/mo
Today · 4.125%
HK$69,601
baseline
▲ 0.50% · 4.625%
HK$73,836
+HK$4,235/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,202/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,861
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$74,815
−HK$1,983/mo
Today · 4.125%
HK$76,798
baseline
▲ 0.50% · 4.625%
HK$80,846
+HK$4,048/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,596/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,592
−HK$4,929/mo
▼ 0.25% · 3.875%
HK$81,037
−HK$2,484/mo
Today · 4.125%
HK$83,521
baseline
▲ 0.50% · 4.625%
HK$88,603
+HK$5,082/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,042/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,433
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,778
−HK$2,379/mo
Today · 4.125%
HK$92,157
baseline
▲ 0.50% · 4.625%
HK$97,015
+HK$4,858/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,314/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,691
−HK$5,750/mo
▼ 0.25% · 3.875%
HK$94,543
−HK$2,898/mo
Today · 4.125%
HK$97,441
baseline
▲ 0.50% · 4.625%
HK$103,370
+HK$5,929/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,882/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,006
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,741
−HK$2,776/mo
Today · 4.125%
HK$107,517
baseline
▲ 0.50% · 4.625%
HK$113,184
+HK$5,667/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,034/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,889
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,556
−HK$3,725/mo
Today · 4.125%
HK$125,281
baseline
▲ 0.50% · 4.625%
HK$132,904
+HK$7,623/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,562/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,150
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$134,667
−HK$3,569/mo
Today · 4.125%
HK$138,236
baseline
▲ 0.50% · 4.625%
HK$145,522
+HK$7,286/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,472/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,689 · Scale 2, in force from 26 Feb 2026)