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$65,357
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,390
−HK$2,066/mo
Today · 4.125%
HK$69,456
baseline
▲ 0.50% · 4.625%
HK$73,682
+HK$4,226/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,912/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,709
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,660
−HK$1,978/mo
Today · 4.125%
HK$76,638
baseline
▲ 0.50% · 4.625%
HK$80,677
+HK$4,039/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,276/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,429
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,869
−HK$2,478/mo
Today · 4.125%
HK$83,347
baseline
▲ 0.50% · 4.625%
HK$88,419
+HK$5,072/mo
Deposit HK$11.46M · loan HK$17.20M · min. income ≈ HK$166,694/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,251
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,591
−HK$2,374/mo
Today · 4.125%
HK$91,965
baseline
▲ 0.50% · 4.625%
HK$96,813
+HK$4,848/mo
Deposit HK$11.46M · loan HK$17.20M · min. income ≈ HK$183,930/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,500
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,347
−HK$2,891/mo
Today · 4.125%
HK$97,238
baseline
▲ 0.50% · 4.625%
HK$103,155
+HK$5,917/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,476/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,793
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,523
−HK$2,770/mo
Today · 4.125%
HK$107,293
baseline
▲ 0.50% · 4.625%
HK$112,948
+HK$5,655/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,586/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,643
−HK$7,378/mo
▼ 0.25% · 3.875%
HK$121,303
−HK$3,718/mo
Today · 4.125%
HK$125,021
baseline
▲ 0.50% · 4.625%
HK$132,628
+HK$7,607/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$250,042/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,877
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$134,387
−HK$3,561/mo
Today · 4.125%
HK$137,948
baseline
▲ 0.50% · 4.625%
HK$145,219
+HK$7,271/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$275,896/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,149 · Scale 2, in force from 26 Feb 2026)