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$65,335
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$67,367
−HK$2,065/mo
Today · 4.125%
HK$69,432
baseline
▲ 0.50% · 4.625%
HK$73,657
+HK$4,225/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,864/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,684
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$74,634
−HK$1,977/mo
Today · 4.125%
HK$76,611
baseline
▲ 0.50% · 4.625%
HK$80,650
+HK$4,039/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,222/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,402
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,841
−HK$2,477/mo
Today · 4.125%
HK$83,318
baseline
▲ 0.50% · 4.625%
HK$88,388
+HK$5,070/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,636/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,221
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$89,560
−HK$2,374/mo
Today · 4.125%
HK$91,934
baseline
▲ 0.50% · 4.625%
HK$96,779
+HK$4,845/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,868/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,469
−HK$5,736/mo
▼ 0.25% · 3.875%
HK$94,314
−HK$2,891/mo
Today · 4.125%
HK$97,205
baseline
▲ 0.50% · 4.625%
HK$103,119
+HK$5,914/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,410/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,758
−HK$5,498/mo
▼ 0.25% · 3.875%
HK$104,487
−HK$2,769/mo
Today · 4.125%
HK$107,256
baseline
▲ 0.50% · 4.625%
HK$112,909
+HK$5,653/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,512/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,603
−HK$7,374/mo
▼ 0.25% · 3.875%
HK$121,261
−HK$3,716/mo
Today · 4.125%
HK$124,977
baseline
▲ 0.50% · 4.625%
HK$132,582
+HK$7,605/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$249,954/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,832
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$134,341
−HK$3,559/mo
Today · 4.125%
HK$137,900
baseline
▲ 0.50% · 4.625%
HK$145,169
+HK$7,269/mo
Deposit HK$2.87M · loan HK$25.79M · min. income ≈ HK$275,800/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,728 · Scale 2, in force from 26 Feb 2026)