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$65,355
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,388
−HK$2,066/mo
Today · 4.125%
HK$69,454
baseline
▲ 0.50% · 4.625%
HK$73,680
+HK$4,226/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,908/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,707
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$74,657
−HK$1,978/mo
Today · 4.125%
HK$76,635
baseline
▲ 0.50% · 4.625%
HK$80,675
+HK$4,040/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,270/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,427
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,866
−HK$2,479/mo
Today · 4.125%
HK$83,345
baseline
▲ 0.50% · 4.625%
HK$88,416
+HK$5,071/mo
Deposit HK$11.46M · loan HK$17.20M · min. income ≈ HK$166,690/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,249
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,589
−HK$2,373/mo
Today · 4.125%
HK$91,962
baseline
▲ 0.50% · 4.625%
HK$96,810
+HK$4,848/mo
Deposit HK$11.46M · loan HK$17.20M · min. income ≈ HK$183,924/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,498
−HK$5,737/mo
▼ 0.25% · 3.875%
HK$94,344
−HK$2,891/mo
Today · 4.125%
HK$97,235
baseline
▲ 0.50% · 4.625%
HK$103,152
+HK$5,917/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,470/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,790
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,520
−HK$2,770/mo
Today · 4.125%
HK$107,290
baseline
▲ 0.50% · 4.625%
HK$112,945
+HK$5,655/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,580/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,640
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$121,299
−HK$3,718/mo
Today · 4.125%
HK$125,017
baseline
▲ 0.50% · 4.625%
HK$132,624
+HK$7,607/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$250,034/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,873
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$134,383
−HK$3,561/mo
Today · 4.125%
HK$137,944
baseline
▲ 0.50% · 4.625%
HK$145,215
+HK$7,271/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$275,888/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,111 · Scale 2, in force from 26 Feb 2026)