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$65,235
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$67,264
−HK$2,062/mo
Today · 4.125%
HK$69,326
baseline
▲ 0.50% · 4.625%
HK$73,544
+HK$4,218/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,652/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,573
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$74,520
−HK$1,974/mo
Today · 4.125%
HK$76,494
baseline
▲ 0.50% · 4.625%
HK$80,526
+HK$4,032/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,988/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,282
−HK$4,909/mo
▼ 0.25% · 3.875%
HK$80,717
−HK$2,474/mo
Today · 4.125%
HK$83,191
baseline
▲ 0.50% · 4.625%
HK$88,253
+HK$5,062/mo
Deposit HK$11.44M · loan HK$17.17M · min. income ≈ HK$166,382/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,088
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,423
−HK$2,370/mo
Today · 4.125%
HK$91,793
baseline
▲ 0.50% · 4.625%
HK$96,631
+HK$4,838/mo
Deposit HK$11.44M · loan HK$17.17M · min. income ≈ HK$183,586/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,329
−HK$5,727/mo
▼ 0.25% · 3.875%
HK$94,170
−HK$2,886/mo
Today · 4.125%
HK$97,056
baseline
▲ 0.50% · 4.625%
HK$102,962
+HK$5,906/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$194,112/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,602
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$104,327
−HK$2,765/mo
Today · 4.125%
HK$107,092
baseline
▲ 0.50% · 4.625%
HK$112,737
+HK$5,645/mo
Deposit HK$8.58M · loan HK$20.03M · min. income ≈ HK$214,184/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,423
−HK$7,363/mo
▼ 0.25% · 3.875%
HK$121,075
−HK$3,711/mo
Today · 4.125%
HK$124,786
baseline
▲ 0.50% · 4.625%
HK$132,379
+HK$7,593/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$249,572/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,632
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$134,135
−HK$3,554/mo
Today · 4.125%
HK$137,689
baseline
▲ 0.50% · 4.625%
HK$144,947
+HK$7,258/mo
Deposit HK$2.86M · loan HK$25.75M · min. income ≈ HK$275,378/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,865 · Scale 2, in force from 26 Feb 2026)