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$65,318
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,350
−HK$2,064/mo
Today · 4.125%
HK$69,414
baseline
▲ 0.50% · 4.625%
HK$73,637
+HK$4,223/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,828/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,665
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,614
−HK$1,977/mo
Today · 4.125%
HK$76,591
baseline
▲ 0.50% · 4.625%
HK$80,629
+HK$4,038/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,182/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,381
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,819
−HK$2,478/mo
Today · 4.125%
HK$83,297
baseline
▲ 0.50% · 4.625%
HK$88,365
+HK$5,068/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,594/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,198
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$89,537
−HK$2,373/mo
Today · 4.125%
HK$91,910
baseline
▲ 0.50% · 4.625%
HK$96,754
+HK$4,844/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,820/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,445
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,289
−HK$2,890/mo
Today · 4.125%
HK$97,179
baseline
▲ 0.50% · 4.625%
HK$103,092
+HK$5,913/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,358/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,732
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,460
−HK$2,768/mo
Today · 4.125%
HK$107,228
baseline
▲ 0.50% · 4.625%
HK$112,880
+HK$5,652/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,456/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,572
−HK$7,373/mo
▼ 0.25% · 3.875%
HK$121,229
−HK$3,716/mo
Today · 4.125%
HK$124,945
baseline
▲ 0.50% · 4.625%
HK$132,547
+HK$7,602/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,890/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,798
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,306
−HK$3,558/mo
Today · 4.125%
HK$137,864
baseline
▲ 0.50% · 4.625%
HK$145,131
+HK$7,267/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,728/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,410 · Scale 2, in force from 26 Feb 2026)