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$65,398
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$67,432
−HK$2,067/mo
Today · 4.125%
HK$69,499
baseline
▲ 0.50% · 4.625%
HK$73,728
+HK$4,229/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$138,998/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,755
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$74,706
−HK$1,980/mo
Today · 4.125%
HK$76,686
baseline
▲ 0.50% · 4.625%
HK$80,728
+HK$4,042/mo
Deposit HK$14.34M · loan HK$14.34M · min. income ≈ HK$153,372/mo (50% DSR)
Upfront cash ≈ HK$15.56M (deposit + AVD stamp duty HK$1,218,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,478
−HK$4,921/mo
▼ 0.25% · 3.875%
HK$80,919
−HK$2,480/mo
Today · 4.125%
HK$83,399
baseline
▲ 0.50% · 4.625%
HK$88,474
+HK$5,075/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$166,798/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,306
−HK$4,717/mo
▼ 0.25% · 3.875%
HK$89,647
−HK$2,376/mo
Today · 4.125%
HK$92,023
baseline
▲ 0.50% · 4.625%
HK$96,873
+HK$4,850/mo
Deposit HK$11.47M · loan HK$17.21M · min. income ≈ HK$184,046/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,218,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,557
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$94,405
−HK$2,894/mo
Today · 4.125%
HK$97,299
baseline
▲ 0.50% · 4.625%
HK$103,219
+HK$5,920/mo
Deposit HK$8.60M · loan HK$20.08M · min. income ≈ HK$194,598/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,857
−HK$5,503/mo
▼ 0.25% · 3.875%
HK$104,588
−HK$2,772/mo
Today · 4.125%
HK$107,360
baseline
▲ 0.50% · 4.625%
HK$113,019
+HK$5,659/mo
Deposit HK$8.60M · loan HK$20.08M · min. income ≈ HK$214,720/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$1,218,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,717
−HK$7,382/mo
▼ 0.25% · 3.875%
HK$121,378
−HK$3,721/mo
Today · 4.125%
HK$125,099
baseline
▲ 0.50% · 4.625%
HK$132,711
+HK$7,612/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$250,198/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,959
−HK$7,075/mo
▼ 0.25% · 3.875%
HK$134,471
−HK$3,563/mo
Today · 4.125%
HK$138,034
baseline
▲ 0.50% · 4.625%
HK$145,310
+HK$7,276/mo
Deposit HK$2.87M · loan HK$25.81M · min. income ≈ HK$276,068/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,218,908 · Scale 2, in force from 26 Feb 2026)