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$65,454
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,490
−HK$2,068/mo
Today · 4.125%
HK$69,558
baseline
▲ 0.50% · 4.625%
HK$73,791
+HK$4,233/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,116/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,817
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,770
−HK$1,981/mo
Today · 4.125%
HK$76,751
baseline
▲ 0.50% · 4.625%
HK$80,796
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,502/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,545
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,988
−HK$2,482/mo
Today · 4.125%
HK$83,470
baseline
▲ 0.50% · 4.625%
HK$88,549
+HK$5,079/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,940/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,380
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,724
−HK$2,377/mo
Today · 4.125%
HK$92,101
baseline
▲ 0.50% · 4.625%
HK$96,956
+HK$4,855/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,202/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,635
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,486
−HK$2,896/mo
Today · 4.125%
HK$97,382
baseline
▲ 0.50% · 4.625%
HK$103,307
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,764/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,943
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$104,677
−HK$2,774/mo
Today · 4.125%
HK$107,451
baseline
▲ 0.50% · 4.625%
HK$113,115
+HK$5,664/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,902/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,817
−HK$7,388/mo
▼ 0.25% · 3.875%
HK$121,482
−HK$3,723/mo
Today · 4.125%
HK$125,205
baseline
▲ 0.50% · 4.625%
HK$132,823
+HK$7,618/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,410/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,070
−HK$7,081/mo
▼ 0.25% · 3.875%
HK$134,585
−HK$3,566/mo
Today · 4.125%
HK$138,151
baseline
▲ 0.50% · 4.625%
HK$145,434
+HK$7,283/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,302/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,945 · Scale 2, in force from 26 Feb 2026)