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$65,042
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,066
−HK$2,055/mo
Today · 4.125%
HK$69,121
baseline
▲ 0.50% · 4.625%
HK$73,327
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,242/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,359
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,300
−HK$1,968/mo
Today · 4.125%
HK$76,268
baseline
▲ 0.50% · 4.625%
HK$80,289
+HK$4,021/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,536/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,051
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,479
−HK$2,466/mo
Today · 4.125%
HK$82,945
baseline
▲ 0.50% · 4.625%
HK$87,992
+HK$5,047/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,890/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,831
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,160
−HK$2,362/mo
Today · 4.125%
HK$91,522
baseline
▲ 0.50% · 4.625%
HK$96,346
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,044/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,059
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,892
−HK$2,878/mo
Today · 4.125%
HK$96,770
baseline
▲ 0.50% · 4.625%
HK$102,658
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,540/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,303
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,019
−HK$2,757/mo
Today · 4.125%
HK$106,776
baseline
▲ 0.50% · 4.625%
HK$112,404
+HK$5,628/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,552/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,076
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$120,718
−HK$3,700/mo
Today · 4.125%
HK$124,418
baseline
▲ 0.50% · 4.625%
HK$131,989
+HK$7,571/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,836/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,246
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,739
−HK$3,544/mo
Today · 4.125%
HK$137,283
baseline
▲ 0.50% · 4.625%
HK$144,519
+HK$7,236/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,566/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,277 · Scale 2, in force from 26 Feb 2026)