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$65,112
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,137
−HK$2,058/mo
Today · 4.125%
HK$69,195
baseline
▲ 0.50% · 4.625%
HK$73,406
+HK$4,211/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,390/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,437
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,379
−HK$1,971/mo
Today · 4.125%
HK$76,350
baseline
▲ 0.50% · 4.625%
HK$80,375
+HK$4,025/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,700/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,135
−HK$4,899/mo
▼ 0.25% · 3.875%
HK$80,565
−HK$2,469/mo
Today · 4.125%
HK$83,034
baseline
▲ 0.50% · 4.625%
HK$88,087
+HK$5,053/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,068/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,924
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,255
−HK$2,365/mo
Today · 4.125%
HK$91,620
baseline
▲ 0.50% · 4.625%
HK$96,450
+HK$4,830/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,240/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,157
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,992
−HK$2,881/mo
Today · 4.125%
HK$96,873
baseline
▲ 0.50% · 4.625%
HK$102,768
+HK$5,895/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,746/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,411
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,131
−HK$2,759/mo
Today · 4.125%
HK$106,890
baseline
▲ 0.50% · 4.625%
HK$112,524
+HK$5,634/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,780/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,202
−HK$7,349/mo
▼ 0.25% · 3.875%
HK$120,847
−HK$3,704/mo
Today · 4.125%
HK$124,551
baseline
▲ 0.50% · 4.625%
HK$132,130
+HK$7,579/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,102/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,386
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,883
−HK$3,547/mo
Today · 4.125%
HK$137,430
baseline
▲ 0.50% · 4.625%
HK$144,674
+HK$7,244/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$274,860/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,577 · Scale 2, in force from 26 Feb 2026)