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$65,444
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,480
−HK$2,068/mo
Today · 4.125%
HK$69,548
baseline
▲ 0.50% · 4.625%
HK$73,780
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,096/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,806
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,759
−HK$1,981/mo
Today · 4.125%
HK$76,740
baseline
▲ 0.50% · 4.625%
HK$80,785
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,480/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,533
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,976
−HK$2,482/mo
Today · 4.125%
HK$83,458
baseline
▲ 0.50% · 4.625%
HK$88,536
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,916/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,367
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$89,710
−HK$2,378/mo
Today · 4.125%
HK$92,088
baseline
▲ 0.50% · 4.625%
HK$96,942
+HK$4,854/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,176/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,622
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,472
−HK$2,895/mo
Today · 4.125%
HK$97,367
baseline
▲ 0.50% · 4.625%
HK$103,292
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,734/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,929
−HK$5,506/mo
▼ 0.25% · 3.875%
HK$104,662
−HK$2,773/mo
Today · 4.125%
HK$107,435
baseline
▲ 0.50% · 4.625%
HK$113,098
+HK$5,663/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,870/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,800
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,464
−HK$3,723/mo
Today · 4.125%
HK$125,187
baseline
▲ 0.50% · 4.625%
HK$132,804
+HK$7,617/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,374/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,051
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,566
−HK$3,565/mo
Today · 4.125%
HK$138,131
baseline
▲ 0.50% · 4.625%
HK$145,412
+HK$7,281/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,262/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,768 · Scale 2, in force from 26 Feb 2026)