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$65,322
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,354
−HK$2,064/mo
Today · 4.125%
HK$69,418
baseline
▲ 0.50% · 4.625%
HK$73,642
+HK$4,224/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,836/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,670
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,619
−HK$1,977/mo
Today · 4.125%
HK$76,596
baseline
▲ 0.50% · 4.625%
HK$80,634
+HK$4,038/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,192/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,387
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,825
−HK$2,477/mo
Today · 4.125%
HK$83,302
baseline
▲ 0.50% · 4.625%
HK$88,371
+HK$5,069/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,604/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,204
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,543
−HK$2,373/mo
Today · 4.125%
HK$91,916
baseline
▲ 0.50% · 4.625%
HK$96,761
+HK$4,845/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,832/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,451
−HK$5,735/mo
▼ 0.25% · 3.875%
HK$94,296
−HK$2,890/mo
Today · 4.125%
HK$97,186
baseline
▲ 0.50% · 4.625%
HK$103,099
+HK$5,913/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,372/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,738
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$104,467
−HK$2,768/mo
Today · 4.125%
HK$107,235
baseline
▲ 0.50% · 4.625%
HK$112,887
+HK$5,652/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,470/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,580
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,237
−HK$3,716/mo
Today · 4.125%
HK$124,953
baseline
▲ 0.50% · 4.625%
HK$132,556
+HK$7,603/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,906/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,806
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,315
−HK$3,558/mo
Today · 4.125%
HK$137,873
baseline
▲ 0.50% · 4.625%
HK$145,141
+HK$7,268/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,746/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,491 · Scale 2, in force from 26 Feb 2026)