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$65,149
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,175
−HK$2,059/mo
Today · 4.125%
HK$69,234
baseline
▲ 0.50% · 4.625%
HK$73,447
+HK$4,213/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,468/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,478
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,421
−HK$1,972/mo
Today · 4.125%
HK$76,393
baseline
▲ 0.50% · 4.625%
HK$80,420
+HK$4,027/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,786/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,179
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,610
−HK$2,471/mo
Today · 4.125%
HK$83,081
baseline
▲ 0.50% · 4.625%
HK$88,136
+HK$5,055/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,162/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,973
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,306
−HK$2,366/mo
Today · 4.125%
HK$91,672
baseline
▲ 0.50% · 4.625%
HK$96,504
+HK$4,832/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,344/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,208
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,046
−HK$2,882/mo
Today · 4.125%
HK$96,928
baseline
▲ 0.50% · 4.625%
HK$102,826
+HK$5,898/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,856/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,469
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,190
−HK$2,761/mo
Today · 4.125%
HK$106,951
baseline
▲ 0.50% · 4.625%
HK$112,588
+HK$5,637/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,902/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,268
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$120,916
−HK$3,706/mo
Today · 4.125%
HK$124,622
baseline
▲ 0.50% · 4.625%
HK$132,205
+HK$7,583/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,244/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,460
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$133,958
−HK$3,550/mo
Today · 4.125%
HK$137,508
baseline
▲ 0.50% · 4.625%
HK$144,756
+HK$7,248/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$275,016/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,262 · Scale 2, in force from 26 Feb 2026)