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$65,468
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,504
−HK$2,069/mo
Today · 4.125%
HK$69,573
baseline
▲ 0.50% · 4.625%
HK$73,806
+HK$4,233/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,146/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,832
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$74,785
−HK$1,982/mo
Today · 4.125%
HK$76,767
baseline
▲ 0.50% · 4.625%
HK$80,813
+HK$4,046/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,534/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,561
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$81,005
−HK$2,482/mo
Today · 4.125%
HK$83,487
baseline
▲ 0.50% · 4.625%
HK$88,567
+HK$5,080/mo
Deposit HK$11.48M · loan HK$17.23M · min. income ≈ HK$166,974/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,398
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$89,742
−HK$2,378/mo
Today · 4.125%
HK$92,120
baseline
▲ 0.50% · 4.625%
HK$96,976
+HK$4,856/mo
Deposit HK$11.48M · loan HK$17.23M · min. income ≈ HK$184,240/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,655
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,505
−HK$2,897/mo
Today · 4.125%
HK$97,402
baseline
▲ 0.50% · 4.625%
HK$103,329
+HK$5,927/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$194,804/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,965
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,699
−HK$2,775/mo
Today · 4.125%
HK$107,474
baseline
▲ 0.50% · 4.625%
HK$113,139
+HK$5,665/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$214,948/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,842
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,507
−HK$3,724/mo
Today · 4.125%
HK$125,231
baseline
▲ 0.50% · 4.625%
HK$132,851
+HK$7,620/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$250,462/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,097
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$134,613
−HK$3,567/mo
Today · 4.125%
HK$138,180
baseline
▲ 0.50% · 4.625%
HK$145,464
+HK$7,284/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$276,360/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,200 · Scale 2, in force from 26 Feb 2026)