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$65,294
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,325
−HK$2,063/mo
Today · 4.125%
HK$69,388
baseline
▲ 0.50% · 4.625%
HK$73,610
+HK$4,222/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,776/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,639
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,587
−HK$1,976/mo
Today · 4.125%
HK$76,563
baseline
▲ 0.50% · 4.625%
HK$80,599
+HK$4,036/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,126/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,352
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,790
−HK$2,476/mo
Today · 4.125%
HK$83,266
baseline
▲ 0.50% · 4.625%
HK$88,332
+HK$5,066/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,532/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,166
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,504
−HK$2,372/mo
Today · 4.125%
HK$91,876
baseline
▲ 0.50% · 4.625%
HK$96,719
+HK$4,843/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,752/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,411
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,255
−HK$2,889/mo
Today · 4.125%
HK$97,144
baseline
▲ 0.50% · 4.625%
HK$103,054
+HK$5,910/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,288/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,694
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,421
−HK$2,767/mo
Today · 4.125%
HK$107,188
baseline
▲ 0.50% · 4.625%
HK$112,838
+HK$5,650/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,376/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,529
−HK$7,370/mo
▼ 0.25% · 3.875%
HK$121,185
−HK$3,714/mo
Today · 4.125%
HK$124,899
baseline
▲ 0.50% · 4.625%
HK$132,499
+HK$7,600/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,798/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,750
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$134,256
−HK$3,558/mo
Today · 4.125%
HK$137,814
baseline
▲ 0.50% · 4.625%
HK$145,078
+HK$7,264/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,628/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,962 · Scale 2, in force from 26 Feb 2026)