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$65,254
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,284
−HK$2,062/mo
Today · 4.125%
HK$69,346
baseline
▲ 0.50% · 4.625%
HK$73,566
+HK$4,220/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,692/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,595
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,542
−HK$1,975/mo
Today · 4.125%
HK$76,517
baseline
▲ 0.50% · 4.625%
HK$80,550
+HK$4,033/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,034/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,305
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,741
−HK$2,475/mo
Today · 4.125%
HK$83,216
baseline
▲ 0.50% · 4.625%
HK$88,279
+HK$5,063/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,432/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,114
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,450
−HK$2,370/mo
Today · 4.125%
HK$91,820
baseline
▲ 0.50% · 4.625%
HK$96,660
+HK$4,840/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,640/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,356
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,198
−HK$2,887/mo
Today · 4.125%
HK$97,085
baseline
▲ 0.50% · 4.625%
HK$102,992
+HK$5,907/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$194,170/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,633
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,359
−HK$2,765/mo
Today · 4.125%
HK$107,124
baseline
▲ 0.50% · 4.625%
HK$112,770
+HK$5,646/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$214,248/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,458
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$121,112
−HK$3,712/mo
Today · 4.125%
HK$124,824
baseline
▲ 0.50% · 4.625%
HK$132,419
+HK$7,595/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$249,648/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,671
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,175
−HK$3,555/mo
Today · 4.125%
HK$137,730
baseline
▲ 0.50% · 4.625%
HK$144,990
+HK$7,260/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$275,460/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,228 · Scale 2, in force from 26 Feb 2026)