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$65,310
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,342
−HK$2,064/mo
Today · 4.125%
HK$69,406
baseline
▲ 0.50% · 4.625%
HK$73,629
+HK$4,223/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,812/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,657
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,605
−HK$1,977/mo
Today · 4.125%
HK$76,582
baseline
▲ 0.50% · 4.625%
HK$80,619
+HK$4,037/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,164/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,372
−HK$4,915/mo
▼ 0.25% · 3.875%
HK$80,810
−HK$2,477/mo
Today · 4.125%
HK$83,287
baseline
▲ 0.50% · 4.625%
HK$88,355
+HK$5,068/mo
Deposit HK$11.46M · loan HK$17.18M · min. income ≈ HK$166,574/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,188
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,527
−HK$2,372/mo
Today · 4.125%
HK$91,899
baseline
▲ 0.50% · 4.625%
HK$96,743
+HK$4,844/mo
Deposit HK$11.46M · loan HK$17.18M · min. income ≈ HK$183,798/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,434
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,278
−HK$2,890/mo
Today · 4.125%
HK$97,168
baseline
▲ 0.50% · 4.625%
HK$103,080
+HK$5,912/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,336/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,720
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,448
−HK$2,767/mo
Today · 4.125%
HK$107,215
baseline
▲ 0.50% · 4.625%
HK$112,867
+HK$5,652/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,430/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,558
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,215
−HK$3,715/mo
Today · 4.125%
HK$124,930
baseline
▲ 0.50% · 4.625%
HK$132,532
+HK$7,602/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,860/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,782
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,290
−HK$3,558/mo
Today · 4.125%
HK$137,848
baseline
▲ 0.50% · 4.625%
HK$145,114
+HK$7,266/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,696/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,267 · Scale 2, in force from 26 Feb 2026)