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$65,443
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$67,479
−HK$2,068/mo
Today · 4.125%
HK$69,547
baseline
▲ 0.50% · 4.625%
HK$73,779
+HK$4,232/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$139,094/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,805
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$74,758
−HK$1,981/mo
Today · 4.125%
HK$76,739
baseline
▲ 0.50% · 4.625%
HK$80,784
+HK$4,045/mo
Deposit HK$14.35M · loan HK$14.35M · min. income ≈ HK$153,478/mo (50% DSR)
Upfront cash ≈ HK$15.57M (deposit + AVD stamp duty HK$1,219,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,532
−HK$4,925/mo
▼ 0.25% · 3.875%
HK$80,975
−HK$2,482/mo
Today · 4.125%
HK$83,457
baseline
▲ 0.50% · 4.625%
HK$88,535
+HK$5,078/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$166,914/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,366
−HK$4,720/mo
▼ 0.25% · 3.875%
HK$89,709
−HK$2,377/mo
Today · 4.125%
HK$92,086
baseline
▲ 0.50% · 4.625%
HK$96,940
+HK$4,854/mo
Deposit HK$11.48M · loan HK$17.22M · min. income ≈ HK$184,172/mo (50% DSR)
Upfront cash ≈ HK$12.70M (deposit + AVD stamp duty HK$1,219,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,621
−HK$5,745/mo
▼ 0.25% · 3.875%
HK$94,471
−HK$2,895/mo
Today · 4.125%
HK$97,366
baseline
▲ 0.50% · 4.625%
HK$103,291
+HK$5,925/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$194,732/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,927
−HK$5,507/mo
▼ 0.25% · 3.875%
HK$104,661
−HK$2,773/mo
Today · 4.125%
HK$107,434
baseline
▲ 0.50% · 4.625%
HK$113,097
+HK$5,663/mo
Deposit HK$8.61M · loan HK$20.09M · min. income ≈ HK$214,868/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$1,219,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,798
−HK$7,387/mo
▼ 0.25% · 3.875%
HK$121,462
−HK$3,723/mo
Today · 4.125%
HK$125,185
baseline
▲ 0.50% · 4.625%
HK$132,802
+HK$7,617/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$250,370/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,049
−HK$7,080/mo
▼ 0.25% · 3.875%
HK$134,564
−HK$3,565/mo
Today · 4.125%
HK$138,129
baseline
▲ 0.50% · 4.625%
HK$145,410
+HK$7,281/mo
Deposit HK$2.87M · loan HK$25.83M · min. income ≈ HK$276,258/mo (50% DSR)
Upfront cash ≈ HK$4.09M (deposit + AVD stamp duty HK$1,219,752 · Scale 2, in force from 26 Feb 2026)