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$65,367
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,400
−HK$2,066/mo
Today · 4.125%
HK$69,466
baseline
▲ 0.50% · 4.625%
HK$73,693
+HK$4,227/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,932/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,720
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,670
−HK$1,979/mo
Today · 4.125%
HK$76,649
baseline
▲ 0.50% · 4.625%
HK$80,689
+HK$4,040/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,298/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,440
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,880
−HK$2,479/mo
Today · 4.125%
HK$83,359
baseline
▲ 0.50% · 4.625%
HK$88,431
+HK$5,072/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,718/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,264
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,604
−HK$2,374/mo
Today · 4.125%
HK$91,978
baseline
▲ 0.50% · 4.625%
HK$96,827
+HK$4,849/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$183,956/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,513
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,360
−HK$2,892/mo
Today · 4.125%
HK$97,252
baseline
▲ 0.50% · 4.625%
HK$103,170
+HK$5,918/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$194,504/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,808
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,538
−HK$2,770/mo
Today · 4.125%
HK$107,308
baseline
▲ 0.50% · 4.625%
HK$112,965
+HK$5,657/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$214,616/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,660
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,320
−HK$3,719/mo
Today · 4.125%
HK$125,039
baseline
▲ 0.50% · 4.625%
HK$132,647
+HK$7,608/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$250,078/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,896
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,406
−HK$3,562/mo
Today · 4.125%
HK$137,968
baseline
▲ 0.50% · 4.625%
HK$145,240
+HK$7,272/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$275,936/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,323 · Scale 2, in force from 26 Feb 2026)