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$65,652
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,694
−HK$2,075/mo
Today · 4.125%
HK$69,769
baseline
▲ 0.50% · 4.625%
HK$74,014
+HK$4,245/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,538/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,037
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$74,996
−HK$1,987/mo
Today · 4.125%
HK$76,983
baseline
▲ 0.50% · 4.625%
HK$81,041
+HK$4,058/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$153,966/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,782
−HK$4,940/mo
▼ 0.25% · 3.875%
HK$81,233
−HK$2,489/mo
Today · 4.125%
HK$83,722
baseline
▲ 0.50% · 4.625%
HK$88,817
+HK$5,095/mo
Deposit HK$11.52M · loan HK$17.27M · min. income ≈ HK$167,444/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,644
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$89,995
−HK$2,384/mo
Today · 4.125%
HK$92,379
baseline
▲ 0.50% · 4.625%
HK$97,249
+HK$4,870/mo
Deposit HK$11.52M · loan HK$17.27M · min. income ≈ HK$184,758/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,912
−HK$5,764/mo
▼ 0.25% · 3.875%
HK$94,771
−HK$2,905/mo
Today · 4.125%
HK$97,676
baseline
▲ 0.50% · 4.625%
HK$103,620
+HK$5,944/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$195,352/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,252
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$104,994
−HK$2,782/mo
Today · 4.125%
HK$107,776
baseline
▲ 0.50% · 4.625%
HK$113,457
+HK$5,681/mo
Deposit HK$8.64M · loan HK$20.15M · min. income ≈ HK$215,552/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,173
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$121,849
−HK$3,735/mo
Today · 4.125%
HK$125,584
baseline
▲ 0.50% · 4.625%
HK$133,225
+HK$7,641/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$251,168/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,466
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$134,992
−HK$3,577/mo
Today · 4.125%
HK$138,569
baseline
▲ 0.50% · 4.625%
HK$145,873
+HK$7,304/mo
Deposit HK$2.88M · loan HK$25.91M · min. income ≈ HK$277,138/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,635 · Scale 2, in force from 26 Feb 2026)