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$65,358
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,391
−HK$2,066/mo
Today · 4.125%
HK$69,457
baseline
▲ 0.50% · 4.625%
HK$73,683
+HK$4,226/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,914/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,710
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,661
−HK$1,978/mo
Today · 4.125%
HK$76,639
baseline
▲ 0.50% · 4.625%
HK$80,679
+HK$4,040/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,278/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,430
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,870
−HK$2,478/mo
Today · 4.125%
HK$83,348
baseline
▲ 0.50% · 4.625%
HK$88,420
+HK$5,072/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,696/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,253
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,593
−HK$2,374/mo
Today · 4.125%
HK$91,967
baseline
▲ 0.50% · 4.625%
HK$96,814
+HK$4,847/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$183,934/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,502
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,348
−HK$2,892/mo
Today · 4.125%
HK$97,240
baseline
▲ 0.50% · 4.625%
HK$103,156
+HK$5,916/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,480/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,795
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$104,525
−HK$2,769/mo
Today · 4.125%
HK$107,294
baseline
▲ 0.50% · 4.625%
HK$112,950
+HK$5,656/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,588/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,645
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$121,304
−HK$3,718/mo
Today · 4.125%
HK$125,022
baseline
▲ 0.50% · 4.625%
HK$132,630
+HK$7,608/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$250,044/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,879
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$134,389
−HK$3,561/mo
Today · 4.125%
HK$137,950
baseline
▲ 0.50% · 4.625%
HK$145,221
+HK$7,271/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$275,900/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,165 · Scale 2, in force from 26 Feb 2026)