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$65,654
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,697
−HK$2,074/mo
Today · 4.125%
HK$69,771
baseline
▲ 0.50% · 4.625%
HK$74,017
+HK$4,246/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,542/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,040
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,999
−HK$1,987/mo
Today · 4.125%
HK$76,986
baseline
▲ 0.50% · 4.625%
HK$81,044
+HK$4,058/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$153,972/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,785
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,236
−HK$2,490/mo
Today · 4.125%
HK$83,726
baseline
▲ 0.50% · 4.625%
HK$88,820
+HK$5,094/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,452/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,648
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,998
−HK$2,385/mo
Today · 4.125%
HK$92,383
baseline
▲ 0.50% · 4.625%
HK$97,253
+HK$4,870/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,766/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,916
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,775
−HK$2,905/mo
Today · 4.125%
HK$97,680
baseline
▲ 0.50% · 4.625%
HK$103,624
+HK$5,944/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$195,360/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,256
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,998
−HK$2,782/mo
Today · 4.125%
HK$107,780
baseline
▲ 0.50% · 4.625%
HK$113,462
+HK$5,682/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$215,560/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,178
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,854
−HK$3,735/mo
Today · 4.125%
HK$125,589
baseline
▲ 0.50% · 4.625%
HK$133,230
+HK$7,641/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$251,178/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,472
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$134,998
−HK$3,577/mo
Today · 4.125%
HK$138,575
baseline
▲ 0.50% · 4.625%
HK$145,879
+HK$7,304/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$277,150/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,683 · Scale 2, in force from 26 Feb 2026)