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$65,209
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$67,238
−HK$2,060/mo
Today · 4.125%
HK$69,298
baseline
▲ 0.50% · 4.625%
HK$73,515
+HK$4,217/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,596/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,545
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,490
−HK$1,974/mo
Today · 4.125%
HK$76,464
baseline
▲ 0.50% · 4.625%
HK$80,495
+HK$4,031/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,928/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,251
−HK$4,907/mo
▼ 0.25% · 3.875%
HK$80,685
−HK$2,473/mo
Today · 4.125%
HK$83,158
baseline
▲ 0.50% · 4.625%
HK$88,218
+HK$5,060/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$166,316/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,054
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,388
−HK$2,369/mo
Today · 4.125%
HK$91,757
baseline
▲ 0.50% · 4.625%
HK$96,593
+HK$4,836/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$183,514/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,293
−HK$5,725/mo
▼ 0.25% · 3.875%
HK$94,133
−HK$2,885/mo
Today · 4.125%
HK$97,018
baseline
▲ 0.50% · 4.625%
HK$102,921
+HK$5,903/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$194,036/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,563
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$104,286
−HK$2,764/mo
Today · 4.125%
HK$107,050
baseline
▲ 0.50% · 4.625%
HK$112,692
+HK$5,642/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$214,100/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,377
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,028
−HK$3,709/mo
Today · 4.125%
HK$124,737
baseline
▲ 0.50% · 4.625%
HK$132,327
+HK$7,590/mo
Deposit HK$2.86M · loan HK$25.74M · min. income ≈ HK$249,474/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,580
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$134,082
−HK$3,553/mo
Today · 4.125%
HK$137,635
baseline
▲ 0.50% · 4.625%
HK$144,890
+HK$7,255/mo
Deposit HK$2.86M · loan HK$25.74M · min. income ≈ HK$275,270/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,387 · Scale 2, in force from 26 Feb 2026)