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$65,489
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,526
−HK$2,070/mo
Today · 4.125%
HK$69,596
baseline
▲ 0.50% · 4.625%
HK$73,831
+HK$4,235/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,192/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,856
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,810
−HK$1,982/mo
Today · 4.125%
HK$76,792
baseline
▲ 0.50% · 4.625%
HK$80,840
+HK$4,048/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,584/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,587
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,032
−HK$2,483/mo
Today · 4.125%
HK$83,515
baseline
▲ 0.50% · 4.625%
HK$88,597
+HK$5,082/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,030/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,427
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$89,772
−HK$2,379/mo
Today · 4.125%
HK$92,151
baseline
▲ 0.50% · 4.625%
HK$97,008
+HK$4,857/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,302/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,685
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,537
−HK$2,897/mo
Today · 4.125%
HK$97,434
baseline
▲ 0.50% · 4.625%
HK$103,363
+HK$5,929/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$194,868/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,998
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$104,734
−HK$2,775/mo
Today · 4.125%
HK$107,509
baseline
▲ 0.50% · 4.625%
HK$113,176
+HK$5,667/mo
Deposit HK$8.62M · loan HK$20.10M · min. income ≈ HK$215,018/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,881
−HK$7,392/mo
▼ 0.25% · 3.875%
HK$121,547
−HK$3,726/mo
Today · 4.125%
HK$125,273
baseline
▲ 0.50% · 4.625%
HK$132,895
+HK$7,622/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$250,546/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,141
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$134,658
−HK$3,568/mo
Today · 4.125%
HK$138,226
baseline
▲ 0.50% · 4.625%
HK$145,512
+HK$7,286/mo
Deposit HK$2.87M · loan HK$25.85M · min. income ≈ HK$276,452/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,604 · Scale 2, in force from 26 Feb 2026)