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$65,248
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,277
−HK$2,062/mo
Today · 4.125%
HK$69,339
baseline
▲ 0.50% · 4.625%
HK$73,558
+HK$4,219/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,678/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,587
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$74,534
−HK$1,975/mo
Today · 4.125%
HK$76,509
baseline
▲ 0.50% · 4.625%
HK$80,542
+HK$4,033/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,018/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,216,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,297
−HK$4,910/mo
▼ 0.25% · 3.875%
HK$80,733
−HK$2,474/mo
Today · 4.125%
HK$83,207
baseline
▲ 0.50% · 4.625%
HK$88,270
+HK$5,063/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,414/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,105
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$89,441
−HK$2,370/mo
Today · 4.125%
HK$91,811
baseline
▲ 0.50% · 4.625%
HK$96,650
+HK$4,839/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,622/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,347
−HK$5,728/mo
▼ 0.25% · 3.875%
HK$94,188
−HK$2,887/mo
Today · 4.125%
HK$97,075
baseline
▲ 0.50% · 4.625%
HK$102,982
+HK$5,907/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$194,150/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,622
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$104,348
−HK$2,765/mo
Today · 4.125%
HK$107,113
baseline
▲ 0.50% · 4.625%
HK$112,759
+HK$5,646/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$214,226/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,446
−HK$7,365/mo
▼ 0.25% · 3.875%
HK$121,099
−HK$3,712/mo
Today · 4.125%
HK$124,811
baseline
▲ 0.50% · 4.625%
HK$132,405
+HK$7,594/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,622/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,657
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$134,162
−HK$3,554/mo
Today · 4.125%
HK$137,716
baseline
▲ 0.50% · 4.625%
HK$144,976
+HK$7,260/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,432/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,104 · Scale 2, in force from 26 Feb 2026)