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$65,680
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$67,723
−HK$2,076/mo
Today · 4.125%
HK$69,799
baseline
▲ 0.50% · 4.625%
HK$74,046
+HK$4,247/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,598/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,069
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,028
−HK$1,988/mo
Today · 4.125%
HK$77,016
baseline
▲ 0.50% · 4.625%
HK$81,076
+HK$4,060/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,032/mo (50% DSR)
Upfront cash ≈ HK$15.63M (deposit + AVD stamp duty HK$1,224,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,816
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$81,268
−HK$2,491/mo
Today · 4.125%
HK$83,759
baseline
▲ 0.50% · 4.625%
HK$88,855
+HK$5,096/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,518/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,682
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$90,034
−HK$2,386/mo
Today · 4.125%
HK$92,420
baseline
▲ 0.50% · 4.625%
HK$97,291
+HK$4,871/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,840/mo (50% DSR)
Upfront cash ≈ HK$12.75M (deposit + AVD stamp duty HK$1,224,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,952
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$94,813
−HK$2,906/mo
Today · 4.125%
HK$97,719
baseline
▲ 0.50% · 4.625%
HK$103,665
+HK$5,946/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,438/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,296
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$105,040
−HK$2,783/mo
Today · 4.125%
HK$107,823
baseline
▲ 0.50% · 4.625%
HK$113,506
+HK$5,683/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,646/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,224,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,224
−HK$7,414/mo
▼ 0.25% · 3.875%
HK$121,902
−HK$3,736/mo
Today · 4.125%
HK$125,638
baseline
▲ 0.50% · 4.625%
HK$133,283
+HK$7,645/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,276/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,224,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,524
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$135,051
−HK$3,578/mo
Today · 4.125%
HK$138,629
baseline
▲ 0.50% · 4.625%
HK$145,937
+HK$7,308/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,258/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,224,166 · Scale 2, in force from 26 Feb 2026)