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$65,369
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$67,402
−HK$2,066/mo
Today · 4.125%
HK$69,468
baseline
▲ 0.50% · 4.625%
HK$73,695
+HK$4,227/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$138,936/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,722
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$74,672
−HK$1,979/mo
Today · 4.125%
HK$76,651
baseline
▲ 0.50% · 4.625%
HK$80,691
+HK$4,040/mo
Deposit HK$14.33M · loan HK$14.33M · min. income ≈ HK$153,302/mo (50% DSR)
Upfront cash ≈ HK$15.55M (deposit + AVD stamp duty HK$1,218,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,442
−HK$4,919/mo
▼ 0.25% · 3.875%
HK$80,882
−HK$2,479/mo
Today · 4.125%
HK$83,361
baseline
▲ 0.50% · 4.625%
HK$88,434
+HK$5,073/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$166,722/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,266
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$89,607
−HK$2,374/mo
Today · 4.125%
HK$91,981
baseline
▲ 0.50% · 4.625%
HK$96,829
+HK$4,848/mo
Deposit HK$11.47M · loan HK$17.20M · min. income ≈ HK$183,962/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,516
−HK$5,739/mo
▼ 0.25% · 3.875%
HK$94,363
−HK$2,892/mo
Today · 4.125%
HK$97,255
baseline
▲ 0.50% · 4.625%
HK$103,173
+HK$5,918/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$194,510/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,811
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$104,541
−HK$2,770/mo
Today · 4.125%
HK$107,311
baseline
▲ 0.50% · 4.625%
HK$112,968
+HK$5,657/mo
Deposit HK$8.60M · loan HK$20.07M · min. income ≈ HK$214,622/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,663
−HK$7,379/mo
▼ 0.25% · 3.875%
HK$121,323
−HK$3,719/mo
Today · 4.125%
HK$125,042
baseline
▲ 0.50% · 4.625%
HK$132,650
+HK$7,608/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$250,084/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,899
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$134,410
−HK$3,561/mo
Today · 4.125%
HK$137,971
baseline
▲ 0.50% · 4.625%
HK$145,244
+HK$7,273/mo
Deposit HK$2.87M · loan HK$25.80M · min. income ≈ HK$275,942/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,356 · Scale 2, in force from 26 Feb 2026)