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$65,259
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,289
−HK$2,062/mo
Today · 4.125%
HK$69,351
baseline
▲ 0.50% · 4.625%
HK$73,571
+HK$4,220/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,702/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,600
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,547
−HK$1,975/mo
Today · 4.125%
HK$76,522
baseline
▲ 0.50% · 4.625%
HK$80,556
+HK$4,034/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,044/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,311
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,747
−HK$2,475/mo
Today · 4.125%
HK$83,222
baseline
▲ 0.50% · 4.625%
HK$88,286
+HK$5,064/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,444/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,120
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,457
−HK$2,370/mo
Today · 4.125%
HK$91,827
baseline
▲ 0.50% · 4.625%
HK$96,667
+HK$4,840/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,654/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,363
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,205
−HK$2,887/mo
Today · 4.125%
HK$97,092
baseline
▲ 0.50% · 4.625%
HK$103,000
+HK$5,908/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$194,184/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,640
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,366
−HK$2,765/mo
Today · 4.125%
HK$107,131
baseline
▲ 0.50% · 4.625%
HK$112,778
+HK$5,647/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$214,262/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,466
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$121,120
−HK$3,712/mo
Today · 4.125%
HK$124,832
baseline
▲ 0.50% · 4.625%
HK$132,428
+HK$7,596/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$249,664/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,680
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,185
−HK$3,555/mo
Today · 4.125%
HK$137,740
baseline
▲ 0.50% · 4.625%
HK$145,001
+HK$7,261/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$275,480/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,316 · Scale 2, in force from 26 Feb 2026)