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$65,513
−HK$4,109/mo
▼ 0.25% · 3.875%
HK$67,551
−HK$2,071/mo
Today · 4.125%
HK$69,622
baseline
▲ 0.50% · 4.625%
HK$73,858
+HK$4,236/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,244/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,883
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$74,838
−HK$1,983/mo
Today · 4.125%
HK$76,821
baseline
▲ 0.50% · 4.625%
HK$80,870
+HK$4,049/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,642/mo (50% DSR)
Upfront cash ≈ HK$15.59M (deposit + AVD stamp duty HK$1,221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,616
−HK$4,930/mo
▼ 0.25% · 3.875%
HK$81,061
−HK$2,485/mo
Today · 4.125%
HK$83,546
baseline
▲ 0.50% · 4.625%
HK$88,630
+HK$5,084/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$167,092/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,460
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$89,805
−HK$2,380/mo
Today · 4.125%
HK$92,185
baseline
▲ 0.50% · 4.625%
HK$97,044
+HK$4,859/mo
Deposit HK$11.49M · loan HK$17.24M · min. income ≈ HK$184,370/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,719
−HK$5,751/mo
▼ 0.25% · 3.875%
HK$94,572
−HK$2,898/mo
Today · 4.125%
HK$97,470
baseline
▲ 0.50% · 4.625%
HK$103,401
+HK$5,931/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$194,940/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,036
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$104,773
−HK$2,776/mo
Today · 4.125%
HK$107,549
baseline
▲ 0.50% · 4.625%
HK$113,218
+HK$5,669/mo
Deposit HK$8.62M · loan HK$20.11M · min. income ≈ HK$215,098/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,924
−HK$7,395/mo
▼ 0.25% · 3.875%
HK$121,592
−HK$3,727/mo
Today · 4.125%
HK$125,319
baseline
▲ 0.50% · 4.625%
HK$132,944
+HK$7,625/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$250,638/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,189
−HK$7,088/mo
▼ 0.25% · 3.875%
HK$134,708
−HK$3,569/mo
Today · 4.125%
HK$138,277
baseline
▲ 0.50% · 4.625%
HK$145,566
+HK$7,289/mo
Deposit HK$2.87M · loan HK$25.86M · min. income ≈ HK$276,554/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,221,056 · Scale 2, in force from 26 Feb 2026)