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$65,282
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$67,313
−HK$2,063/mo
Today · 4.125%
HK$69,376
baseline
▲ 0.50% · 4.625%
HK$73,597
+HK$4,221/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$138,752/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,626
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$74,574
−HK$1,976/mo
Today · 4.125%
HK$76,550
baseline
▲ 0.50% · 4.625%
HK$80,585
+HK$4,035/mo
Deposit HK$14.31M · loan HK$14.31M · min. income ≈ HK$153,100/mo (50% DSR)
Upfront cash ≈ HK$15.53M (deposit + AVD stamp duty HK$1,216,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,339
−HK$4,912/mo
▼ 0.25% · 3.875%
HK$80,775
−HK$2,476/mo
Today · 4.125%
HK$83,251
baseline
▲ 0.50% · 4.625%
HK$88,317
+HK$5,066/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$166,502/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,151
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$89,488
−HK$2,371/mo
Today · 4.125%
HK$91,859
baseline
▲ 0.50% · 4.625%
HK$96,702
+HK$4,843/mo
Deposit HK$11.45M · loan HK$17.18M · min. income ≈ HK$183,718/mo (50% DSR)
Upfront cash ≈ HK$12.67M (deposit + AVD stamp duty HK$1,216,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,395
−HK$5,731/mo
▼ 0.25% · 3.875%
HK$94,238
−HK$2,888/mo
Today · 4.125%
HK$97,126
baseline
▲ 0.50% · 4.625%
HK$103,036
+HK$5,910/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$194,252/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,676
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$104,403
−HK$2,766/mo
Today · 4.125%
HK$107,169
baseline
▲ 0.50% · 4.625%
HK$112,818
+HK$5,649/mo
Deposit HK$8.59M · loan HK$20.04M · min. income ≈ HK$214,338/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$1,216,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,508
−HK$7,369/mo
▼ 0.25% · 3.875%
HK$121,163
−HK$3,714/mo
Today · 4.125%
HK$124,877
baseline
▲ 0.50% · 4.625%
HK$132,475
+HK$7,598/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$249,754/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,726
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$134,233
−HK$3,556/mo
Today · 4.125%
HK$137,789
baseline
▲ 0.50% · 4.625%
HK$145,052
+HK$7,263/mo
Deposit HK$2.86M · loan HK$25.77M · min. income ≈ HK$275,578/mo (50% DSR)
Upfront cash ≈ HK$4.08M (deposit + AVD stamp duty HK$1,216,747 · Scale 2, in force from 26 Feb 2026)