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$65,317
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,349
−HK$2,064/mo
Today · 4.125%
HK$69,413
baseline
▲ 0.50% · 4.625%
HK$73,637
+HK$4,224/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,826/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,665
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$74,613
−HK$1,977/mo
Today · 4.125%
HK$76,590
baseline
▲ 0.50% · 4.625%
HK$80,628
+HK$4,038/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,180/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,380
−HK$4,916/mo
▼ 0.25% · 3.875%
HK$80,818
−HK$2,478/mo
Today · 4.125%
HK$83,296
baseline
▲ 0.50% · 4.625%
HK$88,364
+HK$5,068/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,592/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,197
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,536
−HK$2,372/mo
Today · 4.125%
HK$91,908
baseline
▲ 0.50% · 4.625%
HK$96,753
+HK$4,845/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,816/mo (50% DSR)
Upfront cash ≈ HK$12.68M (deposit + AVD stamp duty HK$1,217,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,444
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,288
−HK$2,890/mo
Today · 4.125%
HK$97,178
baseline
▲ 0.50% · 4.625%
HK$103,091
+HK$5,913/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,356/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,730
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$104,459
−HK$2,767/mo
Today · 4.125%
HK$107,226
baseline
▲ 0.50% · 4.625%
HK$112,879
+HK$5,653/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,452/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,571
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,228
−HK$3,715/mo
Today · 4.125%
HK$124,943
baseline
▲ 0.50% · 4.625%
HK$132,546
+HK$7,603/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,886/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,796
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$134,304
−HK$3,559/mo
Today · 4.125%
HK$137,863
baseline
▲ 0.50% · 4.625%
HK$145,130
+HK$7,267/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,726/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,395 · Scale 2, in force from 26 Feb 2026)