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$65,234
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,263
−HK$2,062/mo
Today · 4.125%
HK$69,325
baseline
▲ 0.50% · 4.625%
HK$73,543
+HK$4,218/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,650/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,572
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,518
−HK$1,975/mo
Today · 4.125%
HK$76,493
baseline
▲ 0.50% · 4.625%
HK$80,525
+HK$4,032/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,986/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,281
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,716
−HK$2,474/mo
Today · 4.125%
HK$83,190
baseline
▲ 0.50% · 4.625%
HK$88,252
+HK$5,062/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$166,380/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,087
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,422
−HK$2,370/mo
Today · 4.125%
HK$91,792
baseline
▲ 0.50% · 4.625%
HK$96,630
+HK$4,838/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$183,584/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,328
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,168
−HK$2,887/mo
Today · 4.125%
HK$97,055
baseline
▲ 0.50% · 4.625%
HK$102,960
+HK$5,905/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$194,110/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,601
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,326
−HK$2,764/mo
Today · 4.125%
HK$107,090
baseline
▲ 0.50% · 4.625%
HK$112,735
+HK$5,645/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$214,180/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,421
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,074
−HK$3,710/mo
Today · 4.125%
HK$124,784
baseline
▲ 0.50% · 4.625%
HK$132,377
+HK$7,593/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,568/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,630
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,133
−HK$3,554/mo
Today · 4.125%
HK$137,687
baseline
▲ 0.50% · 4.625%
HK$144,945
+HK$7,258/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,374/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,848 · Scale 2, in force from 26 Feb 2026)