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$65,407
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$67,442
−HK$2,067/mo
Today · 4.125%
HK$69,509
baseline
▲ 0.50% · 4.625%
HK$73,738
+HK$4,229/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$139,018/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,765
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,716
−HK$1,980/mo
Today · 4.125%
HK$76,696
baseline
▲ 0.50% · 4.625%
HK$80,739
+HK$4,043/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,392/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,219,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,489
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,930
−HK$2,480/mo
Today · 4.125%
HK$83,410
baseline
▲ 0.50% · 4.625%
HK$88,486
+HK$5,076/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$166,820/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,318
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,660
−HK$2,375/mo
Today · 4.125%
HK$92,035
baseline
▲ 0.50% · 4.625%
HK$96,887
+HK$4,852/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$184,070/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,219,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,570
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,418
−HK$2,894/mo
Today · 4.125%
HK$97,312
baseline
▲ 0.50% · 4.625%
HK$103,233
+HK$5,921/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$194,624/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,219,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,871
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,603
−HK$2,771/mo
Today · 4.125%
HK$107,374
baseline
▲ 0.50% · 4.625%
HK$113,034
+HK$5,660/mo
Deposit HK$8.61M · loan HK$20.08M · min. income ≈ HK$214,748/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,219,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,733
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$121,395
−HK$3,721/mo
Today · 4.125%
HK$125,116
baseline
▲ 0.50% · 4.625%
HK$132,729
+HK$7,613/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$250,232/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,977
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$134,489
−HK$3,564/mo
Today · 4.125%
HK$138,053
baseline
▲ 0.50% · 4.625%
HK$145,330
+HK$7,277/mo
Deposit HK$2.87M · loan HK$25.82M · min. income ≈ HK$276,106/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,075 · Scale 2, in force from 26 Feb 2026)