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$65,231
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,260
−HK$2,061/mo
Today · 4.125%
HK$69,321
baseline
▲ 0.50% · 4.625%
HK$73,539
+HK$4,218/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,642/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,568
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,515
−HK$1,974/mo
Today · 4.125%
HK$76,489
baseline
▲ 0.50% · 4.625%
HK$80,521
+HK$4,032/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,978/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,277
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,712
−HK$2,473/mo
Today · 4.125%
HK$83,185
baseline
▲ 0.50% · 4.625%
HK$88,247
+HK$5,062/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$166,370/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,082
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,418
−HK$2,369/mo
Today · 4.125%
HK$91,787
baseline
▲ 0.50% · 4.625%
HK$96,625
+HK$4,838/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$183,574/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,323
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,163
−HK$2,887/mo
Today · 4.125%
HK$97,050
baseline
▲ 0.50% · 4.625%
HK$102,955
+HK$5,905/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$194,100/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,596
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,320
−HK$2,765/mo
Today · 4.125%
HK$107,085
baseline
▲ 0.50% · 4.625%
HK$112,729
+HK$5,644/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$214,170/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,415
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,067
−HK$3,711/mo
Today · 4.125%
HK$124,778
baseline
▲ 0.50% · 4.625%
HK$132,370
+HK$7,592/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,556/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,623
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,126
−HK$3,554/mo
Today · 4.125%
HK$137,680
baseline
▲ 0.50% · 4.625%
HK$144,937
+HK$7,257/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,360/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,784 · Scale 2, in force from 26 Feb 2026)