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$65,298
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,329
−HK$2,063/mo
Today · 4.125%
HK$69,392
baseline
▲ 0.50% · 4.625%
HK$73,615
+HK$4,223/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,784/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,643
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,591
−HK$1,977/mo
Today · 4.125%
HK$76,568
baseline
▲ 0.50% · 4.625%
HK$80,604
+HK$4,036/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,136/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,357
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,795
−HK$2,476/mo
Today · 4.125%
HK$83,271
baseline
▲ 0.50% · 4.625%
HK$88,338
+HK$5,067/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,542/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,172
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,509
−HK$2,372/mo
Today · 4.125%
HK$91,881
baseline
▲ 0.50% · 4.625%
HK$96,724
+HK$4,843/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,762/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,417
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,260
−HK$2,889/mo
Today · 4.125%
HK$97,149
baseline
▲ 0.50% · 4.625%
HK$103,061
+HK$5,912/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,298/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,700
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,428
−HK$2,767/mo
Today · 4.125%
HK$107,195
baseline
▲ 0.50% · 4.625%
HK$112,845
+HK$5,650/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,390/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,536
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,192
−HK$3,714/mo
Today · 4.125%
HK$124,906
baseline
▲ 0.50% · 4.625%
HK$132,507
+HK$7,601/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,812/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,757
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,264
−HK$3,558/mo
Today · 4.125%
HK$137,822
baseline
▲ 0.50% · 4.625%
HK$145,087
+HK$7,265/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,644/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,035 · Scale 2, in force from 26 Feb 2026)