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$65,434
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,470
−HK$2,067/mo
Today · 4.125%
HK$69,537
baseline
▲ 0.50% · 4.625%
HK$73,769
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,074/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,795
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,747
−HK$1,981/mo
Today · 4.125%
HK$76,728
baseline
▲ 0.50% · 4.625%
HK$80,772
+HK$4,044/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,456/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,521
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,963
−HK$2,482/mo
Today · 4.125%
HK$83,445
baseline
▲ 0.50% · 4.625%
HK$88,522
+HK$5,077/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,890/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,354
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,697
−HK$2,376/mo
Today · 4.125%
HK$92,073
baseline
▲ 0.50% · 4.625%
HK$96,927
+HK$4,854/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,146/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,608
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,457
−HK$2,895/mo
Today · 4.125%
HK$97,352
baseline
▲ 0.50% · 4.625%
HK$103,276
+HK$5,924/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,704/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,913
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,646
−HK$2,773/mo
Today · 4.125%
HK$107,419
baseline
▲ 0.50% · 4.625%
HK$113,081
+HK$5,662/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,838/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,781
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,445
−HK$3,722/mo
Today · 4.125%
HK$125,167
baseline
▲ 0.50% · 4.625%
HK$132,784
+HK$7,617/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,334/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,031
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$134,545
−HK$3,565/mo
Today · 4.125%
HK$138,110
baseline
▲ 0.50% · 4.625%
HK$145,390
+HK$7,280/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,220/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,579 · Scale 2, in force from 26 Feb 2026)