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$65,661
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,704
−HK$2,075/mo
Today · 4.125%
HK$69,779
baseline
▲ 0.50% · 4.625%
HK$74,025
+HK$4,246/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,558/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,048
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$75,007
−HK$1,987/mo
Today · 4.125%
HK$76,994
baseline
▲ 0.50% · 4.625%
HK$81,053
+HK$4,059/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$153,988/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,794
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,245
−HK$2,490/mo
Today · 4.125%
HK$83,735
baseline
▲ 0.50% · 4.625%
HK$88,830
+HK$5,095/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,470/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,657
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,008
−HK$2,385/mo
Today · 4.125%
HK$92,393
baseline
▲ 0.50% · 4.625%
HK$97,263
+HK$4,870/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,786/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,926
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,785
−HK$2,906/mo
Today · 4.125%
HK$97,691
baseline
▲ 0.50% · 4.625%
HK$103,635
+HK$5,944/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,382/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,267
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,009
−HK$2,783/mo
Today · 4.125%
HK$107,792
baseline
▲ 0.50% · 4.625%
HK$113,474
+HK$5,682/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,584/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,190
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,867
−HK$3,735/mo
Today · 4.125%
HK$125,602
baseline
▲ 0.50% · 4.625%
HK$133,245
+HK$7,643/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,204/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,486
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,012
−HK$3,578/mo
Today · 4.125%
HK$138,590
baseline
▲ 0.50% · 4.625%
HK$145,895
+HK$7,305/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,180/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,814 · Scale 2, in force from 26 Feb 2026)