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$65,265
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$67,295
−HK$2,062/mo
Today · 4.125%
HK$69,357
baseline
▲ 0.50% · 4.625%
HK$73,578
+HK$4,221/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,714/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,606
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$74,554
−HK$1,975/mo
Today · 4.125%
HK$76,529
baseline
▲ 0.50% · 4.625%
HK$80,563
+HK$4,034/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,058/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,318
−HK$4,911/mo
▼ 0.25% · 3.875%
HK$80,754
−HK$2,475/mo
Today · 4.125%
HK$83,229
baseline
▲ 0.50% · 4.625%
HK$88,293
+HK$5,064/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$166,458/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,128
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$89,464
−HK$2,371/mo
Today · 4.125%
HK$91,835
baseline
▲ 0.50% · 4.625%
HK$96,676
+HK$4,841/mo
Deposit HK$11.45M · loan HK$17.17M · min. income ≈ HK$183,670/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,371
−HK$5,729/mo
▼ 0.25% · 3.875%
HK$94,213
−HK$2,887/mo
Today · 4.125%
HK$97,100
baseline
▲ 0.50% · 4.625%
HK$103,009
+HK$5,909/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,200/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,649
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$104,375
−HK$2,766/mo
Today · 4.125%
HK$107,141
baseline
▲ 0.50% · 4.625%
HK$112,788
+HK$5,647/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,282/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$1,216,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,477
−HK$7,366/mo
▼ 0.25% · 3.875%
HK$121,131
−HK$3,712/mo
Today · 4.125%
HK$124,843
baseline
▲ 0.50% · 4.625%
HK$132,440
+HK$7,597/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$249,686/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,692
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$134,197
−HK$3,555/mo
Today · 4.125%
HK$137,752
baseline
▲ 0.50% · 4.625%
HK$145,013
+HK$7,261/mo
Deposit HK$2.86M · loan HK$25.76M · min. income ≈ HK$275,504/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,422 · Scale 2, in force from 26 Feb 2026)