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$65,436
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$67,471
−HK$2,068/mo
Today · 4.125%
HK$69,539
baseline
▲ 0.50% · 4.625%
HK$73,771
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,078/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,797
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,749
−HK$1,981/mo
Today · 4.125%
HK$76,730
baseline
▲ 0.50% · 4.625%
HK$80,774
+HK$4,044/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,460/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,523
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,966
−HK$2,481/mo
Today · 4.125%
HK$83,447
baseline
▲ 0.50% · 4.625%
HK$88,525
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,894/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,356
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,699
−HK$2,377/mo
Today · 4.125%
HK$92,076
baseline
▲ 0.50% · 4.625%
HK$96,929
+HK$4,853/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,152/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,610
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,460
−HK$2,895/mo
Today · 4.125%
HK$97,355
baseline
▲ 0.50% · 4.625%
HK$103,279
+HK$5,924/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,710/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,916
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,649
−HK$2,773/mo
Today · 4.125%
HK$107,422
baseline
▲ 0.50% · 4.625%
HK$113,084
+HK$5,662/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,844/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,785
−HK$7,386/mo
▼ 0.25% · 3.875%
HK$121,449
−HK$3,722/mo
Today · 4.125%
HK$125,171
baseline
▲ 0.50% · 4.625%
HK$132,787
+HK$7,616/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,342/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,034
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,549
−HK$3,565/mo
Today · 4.125%
HK$138,114
baseline
▲ 0.50% · 4.625%
HK$145,394
+HK$7,280/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,228/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,613 · Scale 2, in force from 26 Feb 2026)