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$65,154
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,181
−HK$2,059/mo
Today · 4.125%
HK$69,240
baseline
▲ 0.50% · 4.625%
HK$73,453
+HK$4,213/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,480/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,483
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,427
−HK$1,972/mo
Today · 4.125%
HK$76,399
baseline
▲ 0.50% · 4.625%
HK$80,426
+HK$4,027/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,798/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,185
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,617
−HK$2,471/mo
Today · 4.125%
HK$83,088
baseline
▲ 0.50% · 4.625%
HK$88,143
+HK$5,055/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,176/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,980
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,313
−HK$2,366/mo
Today · 4.125%
HK$91,679
baseline
▲ 0.50% · 4.625%
HK$96,512
+HK$4,833/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,358/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,216
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,053
−HK$2,883/mo
Today · 4.125%
HK$96,936
baseline
▲ 0.50% · 4.625%
HK$102,834
+HK$5,898/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,872/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,477
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,198
−HK$2,761/mo
Today · 4.125%
HK$106,959
baseline
▲ 0.50% · 4.625%
HK$112,597
+HK$5,638/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,918/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,277
−HK$7,355/mo
▼ 0.25% · 3.875%
HK$120,925
−HK$3,707/mo
Today · 4.125%
HK$124,632
baseline
▲ 0.50% · 4.625%
HK$132,215
+HK$7,583/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$249,264/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,470
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,969
−HK$3,550/mo
Today · 4.125%
HK$137,519
baseline
▲ 0.50% · 4.625%
HK$144,768
+HK$7,249/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$275,038/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,359 · Scale 2, in force from 26 Feb 2026)