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$65,667
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$67,710
−HK$2,075/mo
Today · 4.125%
HK$69,785
baseline
▲ 0.50% · 4.625%
HK$74,032
+HK$4,247/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,570/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,054
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,014
−HK$1,987/mo
Today · 4.125%
HK$77,001
baseline
▲ 0.50% · 4.625%
HK$81,060
+HK$4,059/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$154,002/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,801
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,252
−HK$2,490/mo
Today · 4.125%
HK$83,742
baseline
▲ 0.50% · 4.625%
HK$88,838
+HK$5,096/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,484/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,665
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$90,016
−HK$2,385/mo
Today · 4.125%
HK$92,401
baseline
▲ 0.50% · 4.625%
HK$97,272
+HK$4,871/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,802/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,934
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,794
−HK$2,905/mo
Today · 4.125%
HK$97,699
baseline
▲ 0.50% · 4.625%
HK$103,644
+HK$5,945/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,398/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,276
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$105,019
−HK$2,783/mo
Today · 4.125%
HK$107,802
baseline
▲ 0.50% · 4.625%
HK$113,484
+HK$5,682/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,604/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,201
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,878
−HK$3,735/mo
Today · 4.125%
HK$125,613
baseline
▲ 0.50% · 4.625%
HK$133,257
+HK$7,644/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,226/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,498
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,024
−HK$3,578/mo
Today · 4.125%
HK$138,602
baseline
▲ 0.50% · 4.625%
HK$145,908
+HK$7,306/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,204/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,925 · Scale 2, in force from 26 Feb 2026)