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$65,359
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,392
−HK$2,066/mo
Today · 4.125%
HK$69,458
baseline
▲ 0.50% · 4.625%
HK$73,684
+HK$4,226/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,916/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,711
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,662
−HK$1,978/mo
Today · 4.125%
HK$76,640
baseline
▲ 0.50% · 4.625%
HK$80,680
+HK$4,040/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,280/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,431
−HK$4,918/mo
▼ 0.25% · 3.875%
HK$80,871
−HK$2,478/mo
Today · 4.125%
HK$83,349
baseline
▲ 0.50% · 4.625%
HK$88,421
+HK$5,072/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,698/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,254
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$89,594
−HK$2,374/mo
Today · 4.125%
HK$91,968
baseline
▲ 0.50% · 4.625%
HK$96,816
+HK$4,848/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$183,936/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,218,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,503
−HK$5,738/mo
▼ 0.25% · 3.875%
HK$94,349
−HK$2,892/mo
Today · 4.125%
HK$97,241
baseline
▲ 0.50% · 4.625%
HK$103,158
+HK$5,917/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$194,482/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,796
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,526
−HK$2,770/mo
Today · 4.125%
HK$107,296
baseline
▲ 0.50% · 4.625%
HK$112,951
+HK$5,655/mo
Deposit HK$8.60M · loan HK$20.06M · min. income ≈ HK$214,592/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,647
−HK$7,377/mo
▼ 0.25% · 3.875%
HK$121,306
−HK$3,718/mo
Today · 4.125%
HK$125,024
baseline
▲ 0.50% · 4.625%
HK$132,631
+HK$7,607/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$250,048/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,881
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$134,391
−HK$3,561/mo
Today · 4.125%
HK$137,952
baseline
▲ 0.50% · 4.625%
HK$145,223
+HK$7,271/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$275,904/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,218,182 · Scale 2, in force from 26 Feb 2026)