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$65,385
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,419
−HK$2,066/mo
Today · 4.125%
HK$69,485
baseline
▲ 0.50% · 4.625%
HK$73,713
+HK$4,228/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$138,970/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,740
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,691
−HK$1,979/mo
Today · 4.125%
HK$76,670
baseline
▲ 0.50% · 4.625%
HK$80,712
+HK$4,042/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,340/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,462
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,903
−HK$2,479/mo
Today · 4.125%
HK$83,382
baseline
▲ 0.50% · 4.625%
HK$88,456
+HK$5,074/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,764/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,288
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$89,629
−HK$2,375/mo
Today · 4.125%
HK$92,004
baseline
▲ 0.50% · 4.625%
HK$96,854
+HK$4,850/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$184,008/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,539
−HK$5,740/mo
▼ 0.25% · 3.875%
HK$94,386
−HK$2,893/mo
Today · 4.125%
HK$97,279
baseline
▲ 0.50% · 4.625%
HK$103,199
+HK$5,920/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$194,558/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,836
−HK$5,502/mo
▼ 0.25% · 3.875%
HK$104,567
−HK$2,771/mo
Today · 4.125%
HK$107,338
baseline
▲ 0.50% · 4.625%
HK$112,996
+HK$5,658/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$214,676/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,693
−HK$7,380/mo
▼ 0.25% · 3.875%
HK$121,354
−HK$3,719/mo
Today · 4.125%
HK$125,073
baseline
▲ 0.50% · 4.625%
HK$132,684
+HK$7,611/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$250,146/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,932
−HK$7,074/mo
▼ 0.25% · 3.875%
HK$134,444
−HK$3,562/mo
Today · 4.125%
HK$138,006
baseline
▲ 0.50% · 4.625%
HK$145,281
+HK$7,275/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$276,012/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,663 · Scale 2, in force from 26 Feb 2026)