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$65,571
−HK$4,112/mo
▼ 0.25% · 3.875%
HK$67,610
−HK$2,073/mo
Today · 4.125%
HK$69,683
baseline
▲ 0.50% · 4.625%
HK$73,923
+HK$4,240/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$139,366/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,222,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,947
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$74,903
−HK$1,985/mo
Today · 4.125%
HK$76,888
baseline
▲ 0.50% · 4.625%
HK$80,941
+HK$4,053/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$153,776/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,222,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,685
−HK$4,934/mo
▼ 0.25% · 3.875%
HK$81,133
−HK$2,486/mo
Today · 4.125%
HK$83,619
baseline
▲ 0.50% · 4.625%
HK$88,707
+HK$5,088/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$167,238/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,222,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,536
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,884
−HK$2,382/mo
Today · 4.125%
HK$92,266
baseline
▲ 0.50% · 4.625%
HK$97,129
+HK$4,863/mo
Deposit HK$11.50M · loan HK$17.25M · min. income ≈ HK$184,532/mo (50% DSR)
Upfront cash ≈ HK$12.72M (deposit + AVD stamp duty HK$1,222,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,799
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,655
−HK$2,901/mo
Today · 4.125%
HK$97,556
baseline
▲ 0.50% · 4.625%
HK$103,492
+HK$5,936/mo
Deposit HK$8.63M · loan HK$20.13M · min. income ≈ HK$195,112/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,126
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$104,865
−HK$2,778/mo
Today · 4.125%
HK$107,643
baseline
▲ 0.50% · 4.625%
HK$113,317
+HK$5,674/mo
Deposit HK$8.63M · loan HK$20.13M · min. income ≈ HK$215,286/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,027
−HK$7,402/mo
▼ 0.25% · 3.875%
HK$121,699
−HK$3,730/mo
Today · 4.125%
HK$125,429
baseline
▲ 0.50% · 4.625%
HK$133,061
+HK$7,632/mo
Deposit HK$2.88M · loan HK$25.88M · min. income ≈ HK$250,858/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,304
−HK$7,094/mo
▼ 0.25% · 3.875%
HK$134,826
−HK$3,572/mo
Today · 4.125%
HK$138,398
baseline
▲ 0.50% · 4.625%
HK$145,693
+HK$7,295/mo
Deposit HK$2.88M · loan HK$25.88M · min. income ≈ HK$276,796/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,126 · Scale 2, in force from 26 Feb 2026)