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$65,328
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,360
−HK$2,065/mo
Today · 4.125%
HK$69,425
baseline
▲ 0.50% · 4.625%
HK$73,649
+HK$4,224/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,850/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,677
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,626
−HK$1,978/mo
Today · 4.125%
HK$76,604
baseline
▲ 0.50% · 4.625%
HK$80,642
+HK$4,038/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,208/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,394
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,833
−HK$2,477/mo
Today · 4.125%
HK$83,310
baseline
▲ 0.50% · 4.625%
HK$88,379
+HK$5,069/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,620/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,213
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,552
−HK$2,372/mo
Today · 4.125%
HK$91,924
baseline
▲ 0.50% · 4.625%
HK$96,770
+HK$4,846/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,848/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,460
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,305
−HK$2,890/mo
Today · 4.125%
HK$97,195
baseline
▲ 0.50% · 4.625%
HK$103,109
+HK$5,914/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,390/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,748
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,477
−HK$2,768/mo
Today · 4.125%
HK$107,245
baseline
▲ 0.50% · 4.625%
HK$112,898
+HK$5,653/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,490/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,591
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$121,249
−HK$3,716/mo
Today · 4.125%
HK$124,965
baseline
▲ 0.50% · 4.625%
HK$132,569
+HK$7,604/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,930/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,819
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$134,327
−HK$3,560/mo
Today · 4.125%
HK$137,887
baseline
▲ 0.50% · 4.625%
HK$145,155
+HK$7,268/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,774/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,607 · Scale 2, in force from 26 Feb 2026)