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$65,109
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,134
−HK$2,057/mo
Today · 4.125%
HK$69,191
baseline
▲ 0.50% · 4.625%
HK$73,402
+HK$4,211/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,382/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,433
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,375
−HK$1,971/mo
Today · 4.125%
HK$76,346
baseline
▲ 0.50% · 4.625%
HK$80,370
+HK$4,024/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,692/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,130
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,561
−HK$2,469/mo
Today · 4.125%
HK$83,030
baseline
▲ 0.50% · 4.625%
HK$88,082
+HK$5,052/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,060/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,919
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,250
−HK$2,365/mo
Today · 4.125%
HK$91,615
baseline
▲ 0.50% · 4.625%
HK$96,444
+HK$4,829/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,230/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,152
−HK$5,716/mo
▼ 0.25% · 3.875%
HK$93,987
−HK$2,881/mo
Today · 4.125%
HK$96,868
baseline
▲ 0.50% · 4.625%
HK$102,762
+HK$5,894/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,736/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,406
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,125
−HK$2,759/mo
Today · 4.125%
HK$106,884
baseline
▲ 0.50% · 4.625%
HK$112,518
+HK$5,634/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,768/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,195
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,841
−HK$3,704/mo
Today · 4.125%
HK$124,545
baseline
▲ 0.50% · 4.625%
HK$132,123
+HK$7,578/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,090/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,379
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,875
−HK$3,548/mo
Today · 4.125%
HK$137,423
baseline
▲ 0.50% · 4.625%
HK$144,666
+HK$7,243/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$274,846/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,511 · Scale 2, in force from 26 Feb 2026)