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$65,581
−HK$4,113/mo
▼ 0.25% · 3.875%
HK$67,621
−HK$2,073/mo
Today · 4.125%
HK$69,694
baseline
▲ 0.50% · 4.625%
HK$73,934
+HK$4,240/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$139,388/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,222,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,958
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$74,915
−HK$1,985/mo
Today · 4.125%
HK$76,900
baseline
▲ 0.50% · 4.625%
HK$80,954
+HK$4,054/mo
Deposit HK$14.38M · loan HK$14.38M · min. income ≈ HK$153,800/mo (50% DSR)
Upfront cash ≈ HK$15.60M (deposit + AVD stamp duty HK$1,222,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,697
−HK$4,936/mo
▼ 0.25% · 3.875%
HK$81,145
−HK$2,488/mo
Today · 4.125%
HK$83,633
baseline
▲ 0.50% · 4.625%
HK$88,721
+HK$5,088/mo
Deposit HK$11.50M · loan HK$17.26M · min. income ≈ HK$167,266/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,550
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$89,898
−HK$2,382/mo
Today · 4.125%
HK$92,280
baseline
▲ 0.50% · 4.625%
HK$97,144
+HK$4,864/mo
Deposit HK$11.50M · loan HK$17.26M · min. income ≈ HK$184,560/mo (50% DSR)
Upfront cash ≈ HK$12.73M (deposit + AVD stamp duty HK$1,222,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,814
−HK$5,757/mo
▼ 0.25% · 3.875%
HK$94,670
−HK$2,901/mo
Today · 4.125%
HK$97,571
baseline
▲ 0.50% · 4.625%
HK$103,508
+HK$5,937/mo
Deposit HK$8.63M · loan HK$20.13M · min. income ≈ HK$195,142/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,142
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$104,881
−HK$2,779/mo
Today · 4.125%
HK$107,660
baseline
▲ 0.50% · 4.625%
HK$113,335
+HK$5,675/mo
Deposit HK$8.63M · loan HK$20.13M · min. income ≈ HK$215,320/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$1,222,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,046
−HK$7,403/mo
▼ 0.25% · 3.875%
HK$121,718
−HK$3,731/mo
Today · 4.125%
HK$125,449
baseline
▲ 0.50% · 4.625%
HK$133,082
+HK$7,633/mo
Deposit HK$2.88M · loan HK$25.88M · min. income ≈ HK$250,898/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,325
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$134,847
−HK$3,573/mo
Today · 4.125%
HK$138,420
baseline
▲ 0.50% · 4.625%
HK$145,717
+HK$7,297/mo
Deposit HK$2.88M · loan HK$25.88M · min. income ≈ HK$276,840/mo (50% DSR)
Upfront cash ≈ HK$4.10M (deposit + AVD stamp duty HK$1,222,320 · Scale 2, in force from 26 Feb 2026)