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$65,441
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,477
−HK$2,068/mo
Today · 4.125%
HK$69,545
baseline
▲ 0.50% · 4.625%
HK$73,777
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,090/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,803
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,755
−HK$1,981/mo
Today · 4.125%
HK$76,736
baseline
▲ 0.50% · 4.625%
HK$80,781
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,472/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,529
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,972
−HK$2,482/mo
Today · 4.125%
HK$83,454
baseline
▲ 0.50% · 4.625%
HK$88,532
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,908/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,363
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,706
−HK$2,377/mo
Today · 4.125%
HK$92,083
baseline
▲ 0.50% · 4.625%
HK$96,937
+HK$4,854/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,166/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,618
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,467
−HK$2,896/mo
Today · 4.125%
HK$97,363
baseline
▲ 0.50% · 4.625%
HK$103,287
+HK$5,924/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,726/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,924
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,657
−HK$2,773/mo
Today · 4.125%
HK$107,430
baseline
▲ 0.50% · 4.625%
HK$113,093
+HK$5,663/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,860/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,794
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,458
−HK$3,723/mo
Today · 4.125%
HK$125,181
baseline
▲ 0.50% · 4.625%
HK$132,798
+HK$7,617/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,362/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,045
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,559
−HK$3,566/mo
Today · 4.125%
HK$138,125
baseline
▲ 0.50% · 4.625%
HK$145,405
+HK$7,280/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,250/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,710 · Scale 2, in force from 26 Feb 2026)