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$65,312
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$67,344
−HK$2,064/mo
Today · 4.125%
HK$69,408
baseline
▲ 0.50% · 4.625%
HK$73,631
+HK$4,223/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$138,816/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,659
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$74,608
−HK$1,977/mo
Today · 4.125%
HK$76,585
baseline
▲ 0.50% · 4.625%
HK$80,621
+HK$4,036/mo
Deposit HK$14.32M · loan HK$14.32M · min. income ≈ HK$153,170/mo (50% DSR)
Upfront cash ≈ HK$15.54M (deposit + AVD stamp duty HK$1,217,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,375
−HK$4,914/mo
▼ 0.25% · 3.875%
HK$80,812
−HK$2,477/mo
Today · 4.125%
HK$83,289
baseline
▲ 0.50% · 4.625%
HK$88,357
+HK$5,068/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$166,578/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,191
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$89,529
−HK$2,373/mo
Today · 4.125%
HK$91,902
baseline
▲ 0.50% · 4.625%
HK$96,746
+HK$4,844/mo
Deposit HK$11.46M · loan HK$17.19M · min. income ≈ HK$183,804/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,217,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,437
−HK$5,734/mo
▼ 0.25% · 3.875%
HK$94,281
−HK$2,890/mo
Today · 4.125%
HK$97,171
baseline
▲ 0.50% · 4.625%
HK$103,083
+HK$5,912/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$194,342/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,723
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$104,451
−HK$2,767/mo
Today · 4.125%
HK$107,218
baseline
▲ 0.50% · 4.625%
HK$112,870
+HK$5,652/mo
Deposit HK$8.59M · loan HK$20.05M · min. income ≈ HK$214,436/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,217,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,562
−HK$7,372/mo
▼ 0.25% · 3.875%
HK$121,219
−HK$3,715/mo
Today · 4.125%
HK$124,934
baseline
▲ 0.50% · 4.625%
HK$132,536
+HK$7,602/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$249,868/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,786
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$134,294
−HK$3,558/mo
Today · 4.125%
HK$137,852
baseline
▲ 0.50% · 4.625%
HK$145,119
+HK$7,267/mo
Deposit HK$2.86M · loan HK$25.78M · min. income ≈ HK$275,704/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,217,304 · Scale 2, in force from 26 Feb 2026)