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$65,264
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,294
−HK$2,062/mo
Today · 4.125%
HK$69,356
baseline
▲ 0.50% · 4.625%
HK$73,577
+HK$4,221/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,712/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,605
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,553
−HK$1,975/mo
Today · 4.125%
HK$76,528
baseline
▲ 0.50% · 4.625%
HK$80,562
+HK$4,034/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,056/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,317
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,753
−HK$2,475/mo
Today · 4.125%
HK$83,228
baseline
▲ 0.50% · 4.625%
HK$88,292
+HK$5,064/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,456/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,126
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,463
−HK$2,371/mo
Today · 4.125%
HK$91,834
baseline
▲ 0.50% · 4.625%
HK$96,674
+HK$4,840/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,668/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,216,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,369
−HK$5,730/mo
▼ 0.25% · 3.875%
HK$94,211
−HK$2,888/mo
Today · 4.125%
HK$97,099
baseline
▲ 0.50% · 4.625%
HK$103,007
+HK$5,908/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$194,198/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,647
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,374
−HK$2,765/mo
Today · 4.125%
HK$107,139
baseline
▲ 0.50% · 4.625%
HK$112,787
+HK$5,648/mo
Deposit HK$8.59M · loan HK$20.03M · min. income ≈ HK$214,278/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,475
−HK$7,367/mo
▼ 0.25% · 3.875%
HK$121,129
−HK$3,713/mo
Today · 4.125%
HK$124,842
baseline
▲ 0.50% · 4.625%
HK$132,438
+HK$7,596/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$249,684/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,690
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,195
−HK$3,555/mo
Today · 4.125%
HK$137,750
baseline
▲ 0.50% · 4.625%
HK$145,011
+HK$7,261/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$275,500/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,404 · Scale 2, in force from 26 Feb 2026)