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$64,959
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,980
−HK$2,053/mo
Today · 4.125%
HK$69,033
baseline
▲ 0.50% · 4.625%
HK$73,233
+HK$4,200/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,066/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,267
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,205
−HK$1,966/mo
Today · 4.125%
HK$76,171
baseline
▲ 0.50% · 4.625%
HK$80,186
+HK$4,015/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,342/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,951
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,376
−HK$2,463/mo
Today · 4.125%
HK$82,839
baseline
▲ 0.50% · 4.625%
HK$87,880
+HK$5,041/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$165,678/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,720
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,046
−HK$2,359/mo
Today · 4.125%
HK$91,405
baseline
▲ 0.50% · 4.625%
HK$96,223
+HK$4,818/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$182,810/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,943
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,772
−HK$2,874/mo
Today · 4.125%
HK$96,646
baseline
▲ 0.50% · 4.625%
HK$102,527
+HK$5,881/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,292/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,173
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,887
−HK$2,752/mo
Today · 4.125%
HK$106,639
baseline
▲ 0.50% · 4.625%
HK$112,260
+HK$5,621/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,278/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,927
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,564
−HK$3,695/mo
Today · 4.125%
HK$124,259
baseline
▲ 0.50% · 4.625%
HK$131,820
+HK$7,561/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,518/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,080
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$133,568
−HK$3,540/mo
Today · 4.125%
HK$137,108
baseline
▲ 0.50% · 4.625%
HK$144,335
+HK$7,227/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,216/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,728 · Scale 2, in force from 26 Feb 2026)