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$65,442
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,478
−HK$2,068/mo
Today · 4.125%
HK$69,546
baseline
▲ 0.50% · 4.625%
HK$73,778
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,092/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,804
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$74,756
−HK$1,981/mo
Today · 4.125%
HK$76,737
baseline
▲ 0.50% · 4.625%
HK$80,782
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,474/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,531
−HK$4,924/mo
▼ 0.25% · 3.875%
HK$80,973
−HK$2,482/mo
Today · 4.125%
HK$83,455
baseline
▲ 0.50% · 4.625%
HK$88,533
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,910/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,365
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,708
−HK$2,377/mo
Today · 4.125%
HK$92,085
baseline
▲ 0.50% · 4.625%
HK$96,939
+HK$4,854/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,170/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,619
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,469
−HK$2,895/mo
Today · 4.125%
HK$97,364
baseline
▲ 0.50% · 4.625%
HK$103,289
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,728/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,925
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,659
−HK$2,773/mo
Today · 4.125%
HK$107,432
baseline
▲ 0.50% · 4.625%
HK$113,095
+HK$5,663/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,864/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,796
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,460
−HK$3,723/mo
Today · 4.125%
HK$125,183
baseline
▲ 0.50% · 4.625%
HK$132,800
+HK$7,617/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,366/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,047
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,562
−HK$3,565/mo
Today · 4.125%
HK$138,127
baseline
▲ 0.50% · 4.625%
HK$145,408
+HK$7,281/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,254/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,730 · Scale 2, in force from 26 Feb 2026)