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$65,664
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,707
−HK$2,075/mo
Today · 4.125%
HK$69,782
baseline
▲ 0.50% · 4.625%
HK$74,028
+HK$4,246/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,564/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,051
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,010
−HK$1,987/mo
Today · 4.125%
HK$76,997
baseline
▲ 0.50% · 4.625%
HK$81,056
+HK$4,059/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$153,994/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,797
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,248
−HK$2,490/mo
Today · 4.125%
HK$83,738
baseline
▲ 0.50% · 4.625%
HK$88,834
+HK$5,096/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,476/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,661
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,012
−HK$2,385/mo
Today · 4.125%
HK$92,397
baseline
▲ 0.50% · 4.625%
HK$97,267
+HK$4,870/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,794/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,930
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,789
−HK$2,906/mo
Today · 4.125%
HK$97,695
baseline
▲ 0.50% · 4.625%
HK$103,639
+HK$5,944/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,390/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,271
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,014
−HK$2,782/mo
Today · 4.125%
HK$107,796
baseline
▲ 0.50% · 4.625%
HK$113,479
+HK$5,683/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,592/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,196
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,872
−HK$3,735/mo
Today · 4.125%
HK$125,607
baseline
▲ 0.50% · 4.625%
HK$133,250
+HK$7,643/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,214/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,491
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,018
−HK$3,577/mo
Today · 4.125%
HK$138,595
baseline
▲ 0.50% · 4.625%
HK$145,901
+HK$7,306/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,190/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,866 · Scale 2, in force from 26 Feb 2026)