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$65,374
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$67,408
−HK$2,066/mo
Today · 4.125%
HK$69,474
baseline
▲ 0.50% · 4.625%
HK$73,701
+HK$4,227/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,948/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,728
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$74,679
−HK$1,979/mo
Today · 4.125%
HK$76,658
baseline
▲ 0.50% · 4.625%
HK$80,698
+HK$4,040/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,316/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,449
−HK$4,920/mo
▼ 0.25% · 3.875%
HK$80,889
−HK$2,480/mo
Today · 4.125%
HK$83,369
baseline
▲ 0.50% · 4.625%
HK$88,441
+HK$5,072/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,738/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,274
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,615
−HK$2,374/mo
Today · 4.125%
HK$91,989
baseline
▲ 0.50% · 4.625%
HK$96,838
+HK$4,849/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$183,978/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,524
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,371
−HK$2,892/mo
Today · 4.125%
HK$97,263
baseline
▲ 0.50% · 4.625%
HK$103,182
+HK$5,919/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$194,526/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,820
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$104,550
−HK$2,771/mo
Today · 4.125%
HK$107,321
baseline
▲ 0.50% · 4.625%
HK$112,978
+HK$5,657/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$214,642/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,674
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,334
−HK$3,719/mo
Today · 4.125%
HK$125,053
baseline
▲ 0.50% · 4.625%
HK$132,662
+HK$7,609/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$250,106/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,911
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$134,422
−HK$3,562/mo
Today · 4.125%
HK$137,984
baseline
▲ 0.50% · 4.625%
HK$145,257
+HK$7,273/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$275,968/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,464 · Scale 2, in force from 26 Feb 2026)