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$65,551
−HK$4,111/mo
▼ 0.25% · 3.875%
HK$67,590
−HK$2,072/mo
Today · 4.125%
HK$69,662
baseline
▲ 0.50% · 4.625%
HK$73,900
+HK$4,238/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$139,324/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,925
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$74,881
−HK$1,984/mo
Today · 4.125%
HK$76,865
baseline
▲ 0.50% · 4.625%
HK$80,916
+HK$4,051/mo
Deposit HK$14.37M · loan HK$14.37M · min. income ≈ HK$153,730/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,221,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,661
−HK$4,933/mo
▼ 0.25% · 3.875%
HK$81,108
−HK$2,486/mo
Today · 4.125%
HK$83,594
baseline
▲ 0.50% · 4.625%
HK$88,680
+HK$5,086/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$167,188/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,510
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$89,857
−HK$2,381/mo
Today · 4.125%
HK$92,238
baseline
▲ 0.50% · 4.625%
HK$97,100
+HK$4,862/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$184,476/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,221,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,771
−HK$5,755/mo
▼ 0.25% · 3.875%
HK$94,626
−HK$2,900/mo
Today · 4.125%
HK$97,526
baseline
▲ 0.50% · 4.625%
HK$103,460
+HK$5,934/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$195,052/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,095
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$104,833
−HK$2,778/mo
Today · 4.125%
HK$107,611
baseline
▲ 0.50% · 4.625%
HK$113,283
+HK$5,672/mo
Deposit HK$8.62M · loan HK$20.12M · min. income ≈ HK$215,222/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,221,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,992
−HK$7,399/mo
▼ 0.25% · 3.875%
HK$121,662
−HK$3,729/mo
Today · 4.125%
HK$125,391
baseline
▲ 0.50% · 4.625%
HK$133,021
+HK$7,630/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$250,782/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,265
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$134,785
−HK$3,571/mo
Today · 4.125%
HK$138,356
baseline
▲ 0.50% · 4.625%
HK$145,649
+HK$7,293/mo
Deposit HK$2.87M · loan HK$25.87M · min. income ≈ HK$276,712/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,221,756 · Scale 2, in force from 26 Feb 2026)