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$65,372
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,406
−HK$2,065/mo
Today · 4.125%
HK$69,471
baseline
▲ 0.50% · 4.625%
HK$73,699
+HK$4,228/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,942/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,726
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,676
−HK$1,979/mo
Today · 4.125%
HK$76,655
baseline
▲ 0.50% · 4.625%
HK$80,696
+HK$4,041/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,310/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,447
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,887
−HK$2,479/mo
Today · 4.125%
HK$83,366
baseline
▲ 0.50% · 4.625%
HK$88,438
+HK$5,072/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,732/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,271
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,612
−HK$2,374/mo
Today · 4.125%
HK$91,986
baseline
▲ 0.50% · 4.625%
HK$96,835
+HK$4,849/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$183,972/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,521
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,368
−HK$2,892/mo
Today · 4.125%
HK$97,260
baseline
▲ 0.50% · 4.625%
HK$103,178
+HK$5,918/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$194,520/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,816
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,547
−HK$2,770/mo
Today · 4.125%
HK$107,317
baseline
▲ 0.50% · 4.625%
HK$112,974
+HK$5,657/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$214,634/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,670
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,330
−HK$3,719/mo
Today · 4.125%
HK$125,049
baseline
▲ 0.50% · 4.625%
HK$132,658
+HK$7,609/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$250,098/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,906
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$134,417
−HK$3,562/mo
Today · 4.125%
HK$137,979
baseline
▲ 0.50% · 4.625%
HK$145,252
+HK$7,273/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$275,958/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,422 · Scale 2, in force from 26 Feb 2026)