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$65,435
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,471
−HK$2,068/mo
Today · 4.125%
HK$69,539
baseline
▲ 0.50% · 4.625%
HK$73,770
+HK$4,231/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,078/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,796
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,748
−HK$1,981/mo
Today · 4.125%
HK$76,729
baseline
▲ 0.50% · 4.625%
HK$80,773
+HK$4,044/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,458/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,522
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,965
−HK$2,481/mo
Today · 4.125%
HK$83,446
baseline
▲ 0.50% · 4.625%
HK$88,524
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,892/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,355
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,698
−HK$2,377/mo
Today · 4.125%
HK$92,075
baseline
▲ 0.50% · 4.625%
HK$96,928
+HK$4,853/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,150/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,609
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,459
−HK$2,895/mo
Today · 4.125%
HK$97,354
baseline
▲ 0.50% · 4.625%
HK$103,278
+HK$5,924/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,708/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,914
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,648
−HK$2,773/mo
Today · 4.125%
HK$107,421
baseline
▲ 0.50% · 4.625%
HK$113,083
+HK$5,662/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,842/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,783
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,447
−HK$3,722/mo
Today · 4.125%
HK$125,169
baseline
▲ 0.50% · 4.625%
HK$132,786
+HK$7,617/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,338/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,033
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$134,547
−HK$3,565/mo
Today · 4.125%
HK$138,112
baseline
▲ 0.50% · 4.625%
HK$145,392
+HK$7,280/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,224/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,598 · Scale 2, in force from 26 Feb 2026)