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$65,416
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,451
−HK$2,068/mo
Today · 4.125%
HK$69,519
baseline
▲ 0.50% · 4.625%
HK$73,749
+HK$4,230/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$139,038/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,775
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$74,727
−HK$1,980/mo
Today · 4.125%
HK$76,707
baseline
▲ 0.50% · 4.625%
HK$80,750
+HK$4,043/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,414/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,500
−HK$4,922/mo
▼ 0.25% · 3.875%
HK$80,942
−HK$2,480/mo
Today · 4.125%
HK$83,422
baseline
▲ 0.50% · 4.625%
HK$88,498
+HK$5,076/mo
Deposit HK$11.48M · loan HK$17.21M · min. income ≈ HK$166,844/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,330
−HK$4,718/mo
▼ 0.25% · 3.875%
HK$89,672
−HK$2,376/mo
Today · 4.125%
HK$92,048
baseline
▲ 0.50% · 4.625%
HK$96,900
+HK$4,852/mo
Deposit HK$11.48M · loan HK$17.21M · min. income ≈ HK$184,096/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,583
−HK$5,743/mo
▼ 0.25% · 3.875%
HK$94,432
−HK$2,894/mo
Today · 4.125%
HK$97,326
baseline
▲ 0.50% · 4.625%
HK$103,248
+HK$5,922/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$194,652/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,885
−HK$5,505/mo
▼ 0.25% · 3.875%
HK$104,618
−HK$2,772/mo
Today · 4.125%
HK$107,390
baseline
▲ 0.50% · 4.625%
HK$113,050
+HK$5,660/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$214,780/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,750
−HK$7,384/mo
▼ 0.25% · 3.875%
HK$121,412
−HK$3,722/mo
Today · 4.125%
HK$125,134
baseline
▲ 0.50% · 4.625%
HK$132,748
+HK$7,614/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$250,268/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,995
−HK$7,077/mo
▼ 0.25% · 3.875%
HK$134,508
−HK$3,564/mo
Today · 4.125%
HK$138,072
baseline
▲ 0.50% · 4.625%
HK$145,350
+HK$7,278/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$276,144/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,249 · Scale 2, in force from 26 Feb 2026)