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$65,431
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,466
−HK$2,068/mo
Today · 4.125%
HK$69,534
baseline
▲ 0.50% · 4.625%
HK$73,765
+HK$4,231/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,068/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,791
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,744
−HK$1,980/mo
Today · 4.125%
HK$76,724
baseline
▲ 0.50% · 4.625%
HK$80,768
+HK$4,044/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,448/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,517
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,960
−HK$2,481/mo
Today · 4.125%
HK$83,441
baseline
▲ 0.50% · 4.625%
HK$88,518
+HK$5,077/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,882/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,350
−HK$4,719/mo
▼ 0.25% · 3.875%
HK$89,692
−HK$2,377/mo
Today · 4.125%
HK$92,069
baseline
▲ 0.50% · 4.625%
HK$96,922
+HK$4,853/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,138/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,604
−HK$5,744/mo
▼ 0.25% · 3.875%
HK$94,453
−HK$2,895/mo
Today · 4.125%
HK$97,348
baseline
▲ 0.50% · 4.625%
HK$103,271
+HK$5,923/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,696/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,908
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,641
−HK$2,773/mo
Today · 4.125%
HK$107,414
baseline
▲ 0.50% · 4.625%
HK$113,076
+HK$5,662/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,828/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,776
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,440
−HK$3,722/mo
Today · 4.125%
HK$125,162
baseline
▲ 0.50% · 4.625%
HK$132,777
+HK$7,615/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,324/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,025
−HK$7,079/mo
▼ 0.25% · 3.875%
HK$134,539
−HK$3,565/mo
Today · 4.125%
HK$138,104
baseline
▲ 0.50% · 4.625%
HK$145,383
+HK$7,279/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,208/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,523 · Scale 2, in force from 26 Feb 2026)