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$65,287
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,318
−HK$2,063/mo
Today · 4.125%
HK$69,381
baseline
▲ 0.50% · 4.625%
HK$73,603
+HK$4,222/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,762/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,631
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,579
−HK$1,976/mo
Today · 4.125%
HK$76,555
baseline
▲ 0.50% · 4.625%
HK$80,591
+HK$4,036/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,110/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,345
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,782
−HK$2,476/mo
Today · 4.125%
HK$83,258
baseline
▲ 0.50% · 4.625%
HK$88,324
+HK$5,066/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,516/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,158
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$89,495
−HK$2,372/mo
Today · 4.125%
HK$91,867
baseline
▲ 0.50% · 4.625%
HK$96,709
+HK$4,842/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,734/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,402
−HK$5,732/mo
▼ 0.25% · 3.875%
HK$94,245
−HK$2,889/mo
Today · 4.125%
HK$97,134
baseline
▲ 0.50% · 4.625%
HK$103,044
+HK$5,910/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,268/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,684
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,411
−HK$2,767/mo
Today · 4.125%
HK$107,178
baseline
▲ 0.50% · 4.625%
HK$112,827
+HK$5,649/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,356/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,517
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,172
−HK$3,714/mo
Today · 4.125%
HK$124,886
baseline
▲ 0.50% · 4.625%
HK$132,485
+HK$7,599/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,772/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,736
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,243
−HK$3,557/mo
Today · 4.125%
HK$137,800
baseline
▲ 0.50% · 4.625%
HK$145,063
+HK$7,263/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,600/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,840 · Scale 2, in force from 26 Feb 2026)