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$65,395
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,429
−HK$2,067/mo
Today · 4.125%
HK$69,496
baseline
▲ 0.50% · 4.625%
HK$73,724
+HK$4,228/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$138,992/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,751
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,702
−HK$1,980/mo
Today · 4.125%
HK$76,682
baseline
▲ 0.50% · 4.625%
HK$80,724
+HK$4,042/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,364/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,474
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,915
−HK$2,480/mo
Today · 4.125%
HK$83,395
baseline
▲ 0.50% · 4.625%
HK$88,469
+HK$5,074/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$166,790/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,301
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,643
−HK$2,375/mo
Today · 4.125%
HK$92,018
baseline
▲ 0.50% · 4.625%
HK$96,868
+HK$4,850/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$184,036/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,553
−HK$5,741/mo
▼ 0.25% · 3.875%
HK$94,400
−HK$2,894/mo
Today · 4.125%
HK$97,294
baseline
▲ 0.50% · 4.625%
HK$103,214
+HK$5,920/mo
Deposit HK$8.60M · loan HK$20.08M · min. income ≈ HK$194,588/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,851
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,583
−HK$2,771/mo
Today · 4.125%
HK$107,354
baseline
▲ 0.50% · 4.625%
HK$113,013
+HK$5,659/mo
Deposit HK$8.60M · loan HK$20.08M · min. income ≈ HK$214,708/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,711
−HK$7,381/mo
▼ 0.25% · 3.875%
HK$121,372
−HK$3,720/mo
Today · 4.125%
HK$125,092
baseline
▲ 0.50% · 4.625%
HK$132,704
+HK$7,612/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$250,184/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,952
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,464
−HK$3,563/mo
Today · 4.125%
HK$138,027
baseline
▲ 0.50% · 4.625%
HK$145,302
+HK$7,275/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$276,054/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,845 · Scale 2, in force from 26 Feb 2026)