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$65,476
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$67,512
−HK$2,070/mo
Today · 4.125%
HK$69,582
baseline
▲ 0.50% · 4.625%
HK$73,816
+HK$4,234/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$139,164/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,841
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$74,795
−HK$1,982/mo
Today · 4.125%
HK$76,777
baseline
▲ 0.50% · 4.625%
HK$80,824
+HK$4,047/mo
Deposit HK$14.36M · loan HK$14.36M · min. income ≈ HK$153,554/mo (50% DSR)
Upfront cash ≈ HK$15.58M (deposit + AVD stamp duty HK$1,220,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,571
−HK$4,927/mo
▼ 0.25% · 3.875%
HK$81,015
−HK$2,483/mo
Today · 4.125%
HK$83,498
baseline
▲ 0.50% · 4.625%
HK$88,579
+HK$5,081/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$166,996/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,409
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$89,754
−HK$2,378/mo
Today · 4.125%
HK$92,132
baseline
▲ 0.50% · 4.625%
HK$96,988
+HK$4,856/mo
Deposit HK$11.49M · loan HK$17.23M · min. income ≈ HK$184,264/mo (50% DSR)
Upfront cash ≈ HK$12.71M (deposit + AVD stamp duty HK$1,220,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,666
−HK$5,748/mo
▼ 0.25% · 3.875%
HK$94,517
−HK$2,897/mo
Today · 4.125%
HK$97,414
baseline
▲ 0.50% · 4.625%
HK$103,342
+HK$5,928/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$194,828/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,978
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$104,713
−HK$2,774/mo
Today · 4.125%
HK$107,487
baseline
▲ 0.50% · 4.625%
HK$113,153
+HK$5,666/mo
Deposit HK$8.61M · loan HK$20.10M · min. income ≈ HK$214,974/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,220,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,856
−HK$7,391/mo
▼ 0.25% · 3.875%
HK$121,522
−HK$3,725/mo
Today · 4.125%
HK$125,247
baseline
▲ 0.50% · 4.625%
HK$132,868
+HK$7,621/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$250,494/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,114
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$134,631
−HK$3,567/mo
Today · 4.125%
HK$138,198
baseline
▲ 0.50% · 4.625%
HK$145,482
+HK$7,284/mo
Deposit HK$2.87M · loan HK$25.84M · min. income ≈ HK$276,396/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,220,355 · Scale 2, in force from 26 Feb 2026)