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$64,984
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$67,005
−HK$2,054/mo
Today · 4.125%
HK$69,059
baseline
▲ 0.50% · 4.625%
HK$73,261
+HK$4,202/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,118/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,294
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,232
−HK$1,967/mo
Today · 4.125%
HK$76,199
baseline
▲ 0.50% · 4.625%
HK$80,216
+HK$4,017/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,398/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,980
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,406
−HK$2,464/mo
Today · 4.125%
HK$82,870
baseline
▲ 0.50% · 4.625%
HK$87,913
+HK$5,043/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,740/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,752
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,079
−HK$2,360/mo
Today · 4.125%
HK$91,439
baseline
▲ 0.50% · 4.625%
HK$96,259
+HK$4,820/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,878/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,977
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,807
−HK$2,875/mo
Today · 4.125%
HK$96,682
baseline
▲ 0.50% · 4.625%
HK$102,565
+HK$5,883/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$193,364/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,211
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,925
−HK$2,754/mo
Today · 4.125%
HK$106,679
baseline
▲ 0.50% · 4.625%
HK$112,302
+HK$5,623/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$213,358/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,970
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$120,609
−HK$3,696/mo
Today · 4.125%
HK$124,305
baseline
▲ 0.50% · 4.625%
HK$131,869
+HK$7,564/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$248,610/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,128
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,618
−HK$3,541/mo
Today · 4.125%
HK$137,159
baseline
▲ 0.50% · 4.625%
HK$144,389
+HK$7,230/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$274,318/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,180 · Scale 2, in force from 26 Feb 2026)