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$67,283
−HK$2,063/mo
Today · 4.125%
HK$69,346
baseline
▲ 0.50% · 4.625%
HK$73,565
+HK$4,219/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$1,216,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,594
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,541
−HK$1,975/mo
Today · 4.125%
HK$76,516
baseline
▲ 0.50% · 4.625%
HK$80,549
+HK$4,033/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,032/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,304
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,740
−HK$2,475/mo
Today · 4.125%
HK$83,215
baseline
▲ 0.50% · 4.625%
HK$88,278
+HK$5,063/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,430/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,113
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,449
−HK$2,370/mo
Today · 4.125%
HK$91,819
baseline
▲ 0.50% · 4.625%
HK$96,659
+HK$4,840/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,638/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,355
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,197
−HK$2,887/mo
Today · 4.125%
HK$97,084
baseline
▲ 0.50% · 4.625%
HK$102,991
+HK$5,907/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$194,168/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,632
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,357
−HK$2,765/mo
Today · 4.125%
HK$107,122
baseline
▲ 0.50% · 4.625%
HK$112,769
+HK$5,647/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$214,244/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,456
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$121,110
−HK$3,712/mo
Today · 4.125%
HK$124,822
baseline
▲ 0.50% · 4.625%
HK$132,417
+HK$7,595/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$249,644/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,669
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,174
−HK$3,555/mo
Today · 4.125%
HK$137,729
baseline
▲ 0.50% · 4.625%
HK$144,989
+HK$7,260/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$275,458/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,213 · Scale 2, in force from 26 Feb 2026)