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$65,243
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,272
−HK$2,062/mo
Today · 4.125%
HK$69,334
baseline
▲ 0.50% · 4.625%
HK$73,553
+HK$4,219/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,668/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,582
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,528
−HK$1,975/mo
Today · 4.125%
HK$76,503
baseline
▲ 0.50% · 4.625%
HK$80,536
+HK$4,033/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,006/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,291
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,726
−HK$2,475/mo
Today · 4.125%
HK$83,201
baseline
▲ 0.50% · 4.625%
HK$88,263
+HK$5,062/mo
Deposit HK$11.44M · loan HK$17.17M · min. income ≈ HK$166,402/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,098
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,434
−HK$2,370/mo
Today · 4.125%
HK$91,804
baseline
▲ 0.50% · 4.625%
HK$96,643
+HK$4,839/mo
Deposit HK$11.44M · loan HK$17.17M · min. income ≈ HK$183,608/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,340
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,181
−HK$2,886/mo
Today · 4.125%
HK$97,067
baseline
▲ 0.50% · 4.625%
HK$102,974
+HK$5,907/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$194,134/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,614
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,340
−HK$2,764/mo
Today · 4.125%
HK$107,104
baseline
▲ 0.50% · 4.625%
HK$112,750
+HK$5,646/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$214,208/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,437
−HK$7,364/mo
▼ 0.25% · 3.875%
HK$121,090
−HK$3,711/mo
Today · 4.125%
HK$124,801
baseline
▲ 0.50% · 4.625%
HK$132,395
+HK$7,594/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,602/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,647
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,151
−HK$3,555/mo
Today · 4.125%
HK$137,706
baseline
▲ 0.50% · 4.625%
HK$144,964
+HK$7,258/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,412/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,009 · Scale 2, in force from 26 Feb 2026)