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$65,596
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,636
−HK$2,073/mo
Today · 4.125%
HK$69,709
baseline
▲ 0.50% · 4.625%
HK$73,951
+HK$4,242/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$139,418/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,975
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,932
−HK$1,985/mo
Today · 4.125%
HK$76,917
baseline
▲ 0.50% · 4.625%
HK$80,972
+HK$4,055/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$153,834/mo (50% DSR)
Upfront cash ≈ HK$15.61M (deposit + AVD stamp duty HK$1,222,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,715
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,163
−HK$2,488/mo
Today · 4.125%
HK$83,651
baseline
▲ 0.50% · 4.625%
HK$88,741
+HK$5,090/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$167,302/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,570
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$89,918
−HK$2,383/mo
Today · 4.125%
HK$92,301
baseline
▲ 0.50% · 4.625%
HK$97,166
+HK$4,865/mo
Deposit HK$11.51M · loan HK$17.26M · min. income ≈ HK$184,602/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,834
−HK$5,759/mo
▼ 0.25% · 3.875%
HK$94,691
−HK$2,902/mo
Today · 4.125%
HK$97,593
baseline
▲ 0.50% · 4.625%
HK$103,531
+HK$5,938/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$195,186/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,165
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$104,905
−HK$2,779/mo
Today · 4.125%
HK$107,684
baseline
▲ 0.50% · 4.625%
HK$113,360
+HK$5,676/mo
Deposit HK$8.63M · loan HK$20.14M · min. income ≈ HK$215,368/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,072
−HK$7,405/mo
▼ 0.25% · 3.875%
HK$121,745
−HK$3,732/mo
Today · 4.125%
HK$125,477
baseline
▲ 0.50% · 4.625%
HK$133,112
+HK$7,635/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$250,954/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,354
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$134,877
−HK$3,574/mo
Today · 4.125%
HK$138,451
baseline
▲ 0.50% · 4.625%
HK$145,749
+HK$7,298/mo
Deposit HK$2.88M · loan HK$25.89M · min. income ≈ HK$276,902/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,592 · Scale 2, in force from 26 Feb 2026)