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$65,463
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$67,499
−HK$2,069/mo
Today · 4.125%
HK$69,568
baseline
▲ 0.50% · 4.625%
HK$73,801
+HK$4,233/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,136/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,220,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,827
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,780
−HK$1,981/mo
Today · 4.125%
HK$76,761
baseline
▲ 0.50% · 4.625%
HK$80,807
+HK$4,046/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,522/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,220,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,555
−HK$4,926/mo
▼ 0.25% · 3.875%
HK$80,999
−HK$2,482/mo
Today · 4.125%
HK$83,481
baseline
▲ 0.50% · 4.625%
HK$88,561
+HK$5,080/mo
Deposit HK$11.48M · loan HK$17.23M · min. income ≈ HK$166,962/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,392
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,736
−HK$2,377/mo
Today · 4.125%
HK$92,113
baseline
▲ 0.50% · 4.625%
HK$96,969
+HK$4,856/mo
Deposit HK$11.48M · loan HK$17.23M · min. income ≈ HK$184,226/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,220,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,648
−HK$5,747/mo
▼ 0.25% · 3.875%
HK$94,499
−HK$2,896/mo
Today · 4.125%
HK$97,395
baseline
▲ 0.50% · 4.625%
HK$103,321
+HK$5,926/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$194,790/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,957
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,692
−HK$2,774/mo
Today · 4.125%
HK$107,466
baseline
▲ 0.50% · 4.625%
HK$113,130
+HK$5,664/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$214,932/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,833
−HK$7,389/mo
▼ 0.25% · 3.875%
HK$121,498
−HK$3,724/mo
Today · 4.125%
HK$125,222
baseline
▲ 0.50% · 4.625%
HK$132,841
+HK$7,619/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$250,444/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,088
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$134,604
−HK$3,566/mo
Today · 4.125%
HK$138,170
baseline
▲ 0.50% · 4.625%
HK$145,453
+HK$7,283/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$276,340/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,111 · Scale 2, in force from 26 Feb 2026)