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$65,400
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,434
−HK$2,067/mo
Today · 4.125%
HK$69,501
baseline
▲ 0.50% · 4.625%
HK$73,730
+HK$4,229/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$139,002/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,757
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,708
−HK$1,980/mo
Today · 4.125%
HK$76,688
baseline
▲ 0.50% · 4.625%
HK$80,730
+HK$4,042/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,376/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,480
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,921
−HK$2,480/mo
Today · 4.125%
HK$83,401
baseline
▲ 0.50% · 4.625%
HK$88,476
+HK$5,075/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$166,802/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,308
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,650
−HK$2,375/mo
Today · 4.125%
HK$92,025
baseline
▲ 0.50% · 4.625%
HK$96,876
+HK$4,851/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$184,050/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,560
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,408
−HK$2,894/mo
Today · 4.125%
HK$97,302
baseline
▲ 0.50% · 4.625%
HK$103,222
+HK$5,920/mo
Deposit HK$8.60M · loan HK$20.08M · min. income ≈ HK$194,604/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,859
−HK$5,504/mo
▼ 0.25% · 3.875%
HK$104,591
−HK$2,772/mo
Today · 4.125%
HK$107,363
baseline
▲ 0.50% · 4.625%
HK$113,022
+HK$5,659/mo
Deposit HK$8.60M · loan HK$20.08M · min. income ≈ HK$214,726/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,720
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$121,382
−HK$3,720/mo
Today · 4.125%
HK$125,102
baseline
▲ 0.50% · 4.625%
HK$132,714
+HK$7,612/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$250,204/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,962
−HK$7,076/mo
▼ 0.25% · 3.875%
HK$134,475
−HK$3,563/mo
Today · 4.125%
HK$138,038
baseline
▲ 0.50% · 4.625%
HK$145,314
+HK$7,276/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$276,076/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,941 · Scale 2, in force from 26 Feb 2026)