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$65,665
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$67,707
−HK$2,075/mo
Today · 4.125%
HK$69,782
baseline
▲ 0.50% · 4.625%
HK$74,028
+HK$4,246/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$139,564/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,051
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$75,010
−HK$1,988/mo
Today · 4.125%
HK$76,998
baseline
▲ 0.50% · 4.625%
HK$81,057
+HK$4,059/mo
Deposit HK$14.40M · loan HK$14.40M · min. income ≈ HK$153,996/mo (50% DSR)
Upfront cash ≈ HK$15.62M (deposit + AVD stamp duty HK$1,223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,798
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$81,249
−HK$2,490/mo
Today · 4.125%
HK$83,739
baseline
▲ 0.50% · 4.625%
HK$88,834
+HK$5,095/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$167,478/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,661
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$90,012
−HK$2,386/mo
Today · 4.125%
HK$92,398
baseline
▲ 0.50% · 4.625%
HK$97,268
+HK$4,870/mo
Deposit HK$11.52M · loan HK$17.28M · min. income ≈ HK$184,796/mo (50% DSR)
Upfront cash ≈ HK$12.74M (deposit + AVD stamp duty HK$1,223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,930
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$94,790
−HK$2,905/mo
Today · 4.125%
HK$97,695
baseline
▲ 0.50% · 4.625%
HK$103,640
+HK$5,945/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$195,390/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,272
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$105,015
−HK$2,782/mo
Today · 4.125%
HK$107,797
baseline
▲ 0.50% · 4.625%
HK$113,479
+HK$5,682/mo
Deposit HK$8.64M · loan HK$20.16M · min. income ≈ HK$215,594/mo (50% DSR)
Upfront cash ≈ HK$9.86M (deposit + AVD stamp duty HK$1,223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,196
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$121,873
−HK$3,735/mo
Today · 4.125%
HK$125,608
baseline
▲ 0.50% · 4.625%
HK$133,251
+HK$7,643/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$251,216/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,492
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$135,019
−HK$3,577/mo
Today · 4.125%
HK$138,596
baseline
▲ 0.50% · 4.625%
HK$145,902
+HK$7,306/mo
Deposit HK$2.88M · loan HK$25.92M · min. income ≈ HK$277,192/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,223,874 · Scale 2, in force from 26 Feb 2026)