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$64,935
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,954
−HK$2,053/mo
Today · 4.125%
HK$69,007
baseline
▲ 0.50% · 4.625%
HK$73,205
+HK$4,198/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,014/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,239
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,177
−HK$1,965/mo
Today · 4.125%
HK$76,142
baseline
▲ 0.50% · 4.625%
HK$80,156
+HK$4,014/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,284/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,922
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,345
−HK$2,463/mo
Today · 4.125%
HK$82,808
baseline
▲ 0.50% · 4.625%
HK$87,847
+HK$5,039/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,616/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,687
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,012
−HK$2,358/mo
Today · 4.125%
HK$91,370
baseline
▲ 0.50% · 4.625%
HK$96,187
+HK$4,817/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,740/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,908
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$93,736
−HK$2,873/mo
Today · 4.125%
HK$96,609
baseline
▲ 0.50% · 4.625%
HK$102,488
+HK$5,879/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,218/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,135
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,847
−HK$2,752/mo
Today · 4.125%
HK$106,599
baseline
▲ 0.50% · 4.625%
HK$112,218
+HK$5,619/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,198/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,882
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,518
−HK$3,694/mo
Today · 4.125%
HK$124,212
baseline
▲ 0.50% · 4.625%
HK$131,770
+HK$7,558/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$248,424/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,030
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,518
−HK$3,538/mo
Today · 4.125%
HK$137,056
baseline
▲ 0.50% · 4.625%
HK$144,280
+HK$7,224/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$274,112/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,269 · Scale 2, in force from 26 Feb 2026)