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$65,033
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,056
−HK$2,055/mo
Today · 4.125%
HK$69,111
baseline
▲ 0.50% · 4.625%
HK$73,316
+HK$4,205/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,222/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,348
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,289
−HK$1,968/mo
Today · 4.125%
HK$76,257
baseline
▲ 0.50% · 4.625%
HK$80,277
+HK$4,020/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,514/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,039
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,467
−HK$2,466/mo
Today · 4.125%
HK$82,933
baseline
▲ 0.50% · 4.625%
HK$87,979
+HK$5,046/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,866/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,818
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,146
−HK$2,362/mo
Today · 4.125%
HK$91,508
baseline
▲ 0.50% · 4.625%
HK$96,332
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,016/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,046
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,878
−HK$2,877/mo
Today · 4.125%
HK$96,755
baseline
▲ 0.50% · 4.625%
HK$102,642
+HK$5,887/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$193,510/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,287
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,004
−HK$2,756/mo
Today · 4.125%
HK$106,760
baseline
▲ 0.50% · 4.625%
HK$112,387
+HK$5,627/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$213,520/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,059
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,700
−HK$3,699/mo
Today · 4.125%
HK$124,399
baseline
▲ 0.50% · 4.625%
HK$131,969
+HK$7,570/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,798/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,227
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$133,719
−HK$3,544/mo
Today · 4.125%
HK$137,263
baseline
▲ 0.50% · 4.625%
HK$144,498
+HK$7,235/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,526/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,096 · Scale 2, in force from 26 Feb 2026)