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$65,057
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,080
−HK$2,056/mo
Today · 4.125%
HK$69,136
baseline
▲ 0.50% · 4.625%
HK$73,343
+HK$4,207/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,272/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,375
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,316
−HK$1,969/mo
Today · 4.125%
HK$76,285
baseline
▲ 0.50% · 4.625%
HK$80,306
+HK$4,021/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,570/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,068
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,496
−HK$2,468/mo
Today · 4.125%
HK$82,964
baseline
▲ 0.50% · 4.625%
HK$88,012
+HK$5,048/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,928/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,850
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,179
−HK$2,363/mo
Today · 4.125%
HK$91,542
baseline
▲ 0.50% · 4.625%
HK$96,368
+HK$4,826/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,084/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,079
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,913
−HK$2,878/mo
Today · 4.125%
HK$96,791
baseline
▲ 0.50% · 4.625%
HK$102,680
+HK$5,889/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,582/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,325
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,042
−HK$2,757/mo
Today · 4.125%
HK$106,799
baseline
▲ 0.50% · 4.625%
HK$112,429
+HK$5,630/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,598/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,102
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,745
−HK$3,700/mo
Today · 4.125%
HK$124,445
baseline
▲ 0.50% · 4.625%
HK$132,018
+HK$7,573/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,890/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,275
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$133,769
−HK$3,544/mo
Today · 4.125%
HK$137,313
baseline
▲ 0.50% · 4.625%
HK$144,551
+HK$7,238/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,626/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,545 · Scale 2, in force from 26 Feb 2026)