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$65,427
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,462
−HK$2,068/mo
Today · 4.125%
HK$69,530
baseline
▲ 0.50% · 4.625%
HK$73,760
+HK$4,230/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,060/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,787
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,739
−HK$1,980/mo
Today · 4.125%
HK$76,719
baseline
▲ 0.50% · 4.625%
HK$80,763
+HK$4,044/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,438/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,512
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,954
−HK$2,482/mo
Today · 4.125%
HK$83,436
baseline
▲ 0.50% · 4.625%
HK$88,513
+HK$5,077/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,872/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,344
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,687
−HK$2,376/mo
Today · 4.125%
HK$92,063
baseline
▲ 0.50% · 4.625%
HK$96,916
+HK$4,853/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,126/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,598
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,447
−HK$2,895/mo
Today · 4.125%
HK$97,342
baseline
▲ 0.50% · 4.625%
HK$103,265
+HK$5,923/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$194,684/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,901
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,634
−HK$2,773/mo
Today · 4.125%
HK$107,407
baseline
▲ 0.50% · 4.625%
HK$113,068
+HK$5,661/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$214,814/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,768
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,432
−HK$3,722/mo
Today · 4.125%
HK$125,154
baseline
▲ 0.50% · 4.625%
HK$132,769
+HK$7,615/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$250,308/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,016
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$134,530
−HK$3,565/mo
Today · 4.125%
HK$138,095
baseline
▲ 0.50% · 4.625%
HK$145,374
+HK$7,279/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$276,190/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,444 · Scale 2, in force from 26 Feb 2026)