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$65,555
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,594
−HK$2,072/mo
Today · 4.125%
HK$69,666
baseline
▲ 0.50% · 4.625%
HK$73,905
+HK$4,239/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,332/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,929
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,885
−HK$1,985/mo
Today · 4.125%
HK$76,870
baseline
▲ 0.50% · 4.625%
HK$80,922
+HK$4,052/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,740/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,666
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,113
−HK$2,486/mo
Today · 4.125%
HK$83,599
baseline
▲ 0.50% · 4.625%
HK$88,686
+HK$5,087/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$167,198/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,515
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,862
−HK$2,382/mo
Today · 4.125%
HK$92,244
baseline
▲ 0.50% · 4.625%
HK$97,106
+HK$4,862/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$184,488/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,777
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,632
−HK$2,900/mo
Today · 4.125%
HK$97,532
baseline
▲ 0.50% · 4.625%
HK$103,467
+HK$5,935/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$195,064/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,101
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,840
−HK$2,777/mo
Today · 4.125%
HK$107,617
baseline
▲ 0.50% · 4.625%
HK$113,290
+HK$5,673/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$215,234/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,999
−HK$7,400/mo
▼ 0.25% · 3.875%
HK$121,670
−HK$3,729/mo
Today · 4.125%
HK$125,399
baseline
▲ 0.50% · 4.625%
HK$133,029
+HK$7,630/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$250,798/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,273
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$134,794
−HK$3,571/mo
Today · 4.125%
HK$138,365
baseline
▲ 0.50% · 4.625%
HK$145,659
+HK$7,294/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$276,730/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,834 · Scale 2, in force from 26 Feb 2026)