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$65,576
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,615
−HK$2,073/mo
Today · 4.125%
HK$69,688
baseline
▲ 0.50% · 4.625%
HK$73,928
+HK$4,240/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$139,376/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,222,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,952
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,909
−HK$1,985/mo
Today · 4.125%
HK$76,894
baseline
▲ 0.50% · 4.625%
HK$80,947
+HK$4,053/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$153,788/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,222,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,691
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,139
−HK$2,486/mo
Today · 4.125%
HK$83,625
baseline
▲ 0.50% · 4.625%
HK$88,714
+HK$5,089/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$167,250/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,543
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$89,891
−HK$2,381/mo
Today · 4.125%
HK$92,272
baseline
▲ 0.50% · 4.625%
HK$97,136
+HK$4,864/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$184,544/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,806
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,662
−HK$2,901/mo
Today · 4.125%
HK$97,563
baseline
▲ 0.50% · 4.625%
HK$103,500
+HK$5,937/mo
Deposit HK$8.63M · loan HK$20.13M · min. income ≈ HK$195,126/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,133
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,872
−HK$2,779/mo
Today · 4.125%
HK$107,651
baseline
▲ 0.50% · 4.625%
HK$113,326
+HK$5,675/mo
Deposit HK$8.63M · loan HK$20.13M · min. income ≈ HK$215,302/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,036
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$121,708
−HK$3,730/mo
Today · 4.125%
HK$125,438
baseline
▲ 0.50% · 4.625%
HK$133,071
+HK$7,633/mo
Deposit HK$2.88M · loan HK$25.88M · min. income ≈ HK$250,876/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,314
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$134,836
−HK$3,573/mo
Today · 4.125%
HK$138,409
baseline
▲ 0.50% · 4.625%
HK$145,704
+HK$7,295/mo
Deposit HK$2.88M · loan HK$25.88M · min. income ≈ HK$276,818/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,217 · Scale 2, in force from 26 Feb 2026)