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$65,229
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,258
−HK$2,061/mo
Today · 4.125%
HK$69,319
baseline
▲ 0.50% · 4.625%
HK$73,537
+HK$4,218/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,638/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,567
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,513
−HK$1,974/mo
Today · 4.125%
HK$76,487
baseline
▲ 0.50% · 4.625%
HK$80,519
+HK$4,032/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,974/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,275
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,709
−HK$2,474/mo
Today · 4.125%
HK$83,183
baseline
▲ 0.50% · 4.625%
HK$88,245
+HK$5,062/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$166,366/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,080
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$89,415
−HK$2,369/mo
Today · 4.125%
HK$91,784
baseline
▲ 0.50% · 4.625%
HK$96,623
+HK$4,839/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$183,568/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,320
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,161
−HK$2,886/mo
Today · 4.125%
HK$97,047
baseline
▲ 0.50% · 4.625%
HK$102,952
+HK$5,905/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$194,094/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,593
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$104,318
−HK$2,764/mo
Today · 4.125%
HK$107,082
baseline
▲ 0.50% · 4.625%
HK$112,726
+HK$5,644/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$214,164/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,412
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,064
−HK$3,711/mo
Today · 4.125%
HK$124,775
baseline
▲ 0.50% · 4.625%
HK$132,367
+HK$7,592/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,550/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,620
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,123
−HK$3,554/mo
Today · 4.125%
HK$137,677
baseline
▲ 0.50% · 4.625%
HK$144,934
+HK$7,257/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,354/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,754 · Scale 2, in force from 26 Feb 2026)