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$65,279
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$67,309
−HK$2,063/mo
Today · 4.125%
HK$69,372
baseline
▲ 0.50% · 4.625%
HK$73,594
+HK$4,222/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,744/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,622
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,570
−HK$1,976/mo
Today · 4.125%
HK$76,546
baseline
▲ 0.50% · 4.625%
HK$80,580
+HK$4,034/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,092/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,335
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,771
−HK$2,476/mo
Today · 4.125%
HK$83,247
baseline
▲ 0.50% · 4.625%
HK$88,312
+HK$5,065/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,494/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,146
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,484
−HK$2,371/mo
Today · 4.125%
HK$91,855
baseline
▲ 0.50% · 4.625%
HK$96,697
+HK$4,842/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,710/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,390
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,233
−HK$2,888/mo
Today · 4.125%
HK$97,121
baseline
▲ 0.50% · 4.625%
HK$103,031
+HK$5,910/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,242/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,671
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,398
−HK$2,766/mo
Today · 4.125%
HK$107,164
baseline
▲ 0.50% · 4.625%
HK$112,813
+HK$5,649/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,328/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,502
−HK$7,368/mo
▼ 0.25% · 3.875%
HK$121,157
−HK$3,713/mo
Today · 4.125%
HK$124,870
baseline
▲ 0.50% · 4.625%
HK$132,468
+HK$7,598/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,740/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,720
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$134,226
−HK$3,556/mo
Today · 4.125%
HK$137,782
baseline
▲ 0.50% · 4.625%
HK$145,045
+HK$7,263/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,564/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,684 · Scale 2, in force from 26 Feb 2026)