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$65,284
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,315
−HK$2,063/mo
Today · 4.125%
HK$69,378
baseline
▲ 0.50% · 4.625%
HK$73,600
+HK$4,222/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,756/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,628
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,576
−HK$1,976/mo
Today · 4.125%
HK$76,552
baseline
▲ 0.50% · 4.625%
HK$80,587
+HK$4,035/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,104/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,341
−HK$4,913/mo
▼ 0.25% · 3.875%
HK$80,778
−HK$2,476/mo
Today · 4.125%
HK$83,254
baseline
▲ 0.50% · 4.625%
HK$88,320
+HK$5,066/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,508/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,154
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,491
−HK$2,371/mo
Today · 4.125%
HK$91,862
baseline
▲ 0.50% · 4.625%
HK$96,705
+HK$4,843/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,724/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,398
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,241
−HK$2,888/mo
Today · 4.125%
HK$97,129
baseline
▲ 0.50% · 4.625%
HK$103,039
+HK$5,910/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,258/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,679
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$104,406
−HK$2,767/mo
Today · 4.125%
HK$107,173
baseline
▲ 0.50% · 4.625%
HK$112,822
+HK$5,649/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,346/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,512
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,167
−HK$3,714/mo
Today · 4.125%
HK$124,881
baseline
▲ 0.50% · 4.625%
HK$132,479
+HK$7,598/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,762/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,731
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$134,237
−HK$3,556/mo
Today · 4.125%
HK$137,793
baseline
▲ 0.50% · 4.625%
HK$145,057
+HK$7,264/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,586/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,785 · Scale 2, in force from 26 Feb 2026)