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$65,656
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,699
−HK$2,075/mo
Today · 4.125%
HK$69,774
baseline
▲ 0.50% · 4.625%
HK$74,019
+HK$4,245/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,548/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,042
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,001
−HK$1,987/mo
Today · 4.125%
HK$76,988
baseline
▲ 0.50% · 4.625%
HK$81,046
+HK$4,058/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$153,976/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,788
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,238
−HK$2,490/mo
Today · 4.125%
HK$83,728
baseline
▲ 0.50% · 4.625%
HK$88,823
+HK$5,095/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,456/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,651
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$90,001
−HK$2,385/mo
Today · 4.125%
HK$92,386
baseline
▲ 0.50% · 4.625%
HK$97,256
+HK$4,870/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,772/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,919
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,778
−HK$2,905/mo
Today · 4.125%
HK$97,683
baseline
▲ 0.50% · 4.625%
HK$103,627
+HK$5,944/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,366/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,259
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,001
−HK$2,783/mo
Today · 4.125%
HK$107,784
baseline
▲ 0.50% · 4.625%
HK$113,465
+HK$5,681/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,568/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,182
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,858
−HK$3,735/mo
Today · 4.125%
HK$125,593
baseline
▲ 0.50% · 4.625%
HK$133,235
+HK$7,642/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$251,186/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,476
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$135,002
−HK$3,577/mo
Today · 4.125%
HK$138,579
baseline
▲ 0.50% · 4.625%
HK$145,884
+HK$7,305/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$277,158/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,721 · Scale 2, in force from 26 Feb 2026)