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$65,300
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,331
−HK$2,064/mo
Today · 4.125%
HK$69,395
baseline
▲ 0.50% · 4.625%
HK$73,618
+HK$4,223/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,790/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,646
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,594
−HK$1,977/mo
Today · 4.125%
HK$76,571
baseline
▲ 0.50% · 4.625%
HK$80,607
+HK$4,036/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,142/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,360
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,798
−HK$2,476/mo
Today · 4.125%
HK$83,274
baseline
▲ 0.50% · 4.625%
HK$88,341
+HK$5,067/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,548/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,175
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$89,513
−HK$2,372/mo
Today · 4.125%
HK$91,885
baseline
▲ 0.50% · 4.625%
HK$96,728
+HK$4,843/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,770/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,420
−HK$5,733/mo
▼ 0.25% · 3.875%
HK$94,264
−HK$2,889/mo
Today · 4.125%
HK$97,153
baseline
▲ 0.50% · 4.625%
HK$103,065
+HK$5,912/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,306/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,704
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,432
−HK$2,767/mo
Today · 4.125%
HK$107,199
baseline
▲ 0.50% · 4.625%
HK$112,849
+HK$5,650/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,398/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,540
−HK$7,371/mo
▼ 0.25% · 3.875%
HK$121,196
−HK$3,715/mo
Today · 4.125%
HK$124,911
baseline
▲ 0.50% · 4.625%
HK$132,512
+HK$7,601/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,822/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,762
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$134,269
−HK$3,558/mo
Today · 4.125%
HK$137,827
baseline
▲ 0.50% · 4.625%
HK$145,092
+HK$7,265/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,654/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,081 · Scale 2, in force from 26 Feb 2026)