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$65,222
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$67,251
−HK$2,061/mo
Today · 4.125%
HK$69,312
baseline
▲ 0.50% · 4.625%
HK$73,529
+HK$4,217/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,624/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,559
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$74,505
−HK$1,974/mo
Today · 4.125%
HK$76,479
baseline
▲ 0.50% · 4.625%
HK$80,510
+HK$4,031/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,958/mo (50% DSR)
Upfront cash ≈ HK$15.52M (deposit + AVD stamp duty HK$1,215,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,266
−HK$4,908/mo
▼ 0.25% · 3.875%
HK$80,701
−HK$2,473/mo
Today · 4.125%
HK$83,174
baseline
▲ 0.50% · 4.625%
HK$88,235
+HK$5,061/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$166,348/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,070
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$89,406
−HK$2,369/mo
Today · 4.125%
HK$91,775
baseline
▲ 0.50% · 4.625%
HK$96,612
+HK$4,837/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$183,550/mo (50% DSR)
Upfront cash ≈ HK$12.66M (deposit + AVD stamp duty HK$1,215,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,311
−HK$5,726/mo
▼ 0.25% · 3.875%
HK$94,151
−HK$2,886/mo
Today · 4.125%
HK$97,037
baseline
▲ 0.50% · 4.625%
HK$102,941
+HK$5,904/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$194,074/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,582
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$104,307
−HK$2,763/mo
Today · 4.125%
HK$107,070
baseline
▲ 0.50% · 4.625%
HK$112,714
+HK$5,644/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$214,140/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,215,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,399
−HK$7,362/mo
▼ 0.25% · 3.875%
HK$121,051
−HK$3,710/mo
Today · 4.125%
HK$124,761
baseline
▲ 0.50% · 4.625%
HK$132,353
+HK$7,592/mo
Deposit HK$2.86M · loan HK$25.74M · min. income ≈ HK$249,522/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,606
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$134,108
−HK$3,554/mo
Today · 4.125%
HK$137,662
baseline
▲ 0.50% · 4.625%
HK$144,918
+HK$7,256/mo
Deposit HK$2.86M · loan HK$25.74M · min. income ≈ HK$275,324/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,215,623 · Scale 2, in force from 26 Feb 2026)