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$65,480
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$67,517
−HK$2,070/mo
Today · 4.125%
HK$69,587
baseline
▲ 0.50% · 4.625%
HK$73,821
+HK$4,234/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,174/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,846
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,800
−HK$1,982/mo
Today · 4.125%
HK$76,782
baseline
▲ 0.50% · 4.625%
HK$80,829
+HK$4,047/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,564/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,576
−HK$4,928/mo
▼ 0.25% · 3.875%
HK$81,021
−HK$2,483/mo
Today · 4.125%
HK$83,504
baseline
▲ 0.50% · 4.625%
HK$88,585
+HK$5,081/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$167,008/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,415
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,760
−HK$2,378/mo
Today · 4.125%
HK$92,138
baseline
▲ 0.50% · 4.625%
HK$96,995
+HK$4,857/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,276/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,672
−HK$5,749/mo
▼ 0.25% · 3.875%
HK$94,524
−HK$2,897/mo
Today · 4.125%
HK$97,421
baseline
▲ 0.50% · 4.625%
HK$103,349
+HK$5,928/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$194,842/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,985
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$104,720
−HK$2,775/mo
Today · 4.125%
HK$107,495
baseline
▲ 0.50% · 4.625%
HK$113,161
+HK$5,666/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$214,990/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$1,220,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,865
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,531
−HK$3,725/mo
Today · 4.125%
HK$125,256
baseline
▲ 0.50% · 4.625%
HK$132,877
+HK$7,621/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$250,512/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,123
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,640
−HK$3,567/mo
Today · 4.125%
HK$138,207
baseline
▲ 0.50% · 4.625%
HK$145,492
+HK$7,285/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$276,414/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,439 · Scale 2, in force from 26 Feb 2026)