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$65,124
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,149
−HK$2,059/mo
Today · 4.125%
HK$69,208
baseline
▲ 0.50% · 4.625%
HK$73,419
+HK$4,211/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,416/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,450
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,393
−HK$1,971/mo
Today · 4.125%
HK$76,364
baseline
▲ 0.50% · 4.625%
HK$80,389
+HK$4,025/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,728/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,148
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,579
−HK$2,470/mo
Today · 4.125%
HK$83,049
baseline
▲ 0.50% · 4.625%
HK$88,102
+HK$5,053/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$166,098/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,939
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,271
−HK$2,365/mo
Today · 4.125%
HK$91,636
baseline
▲ 0.50% · 4.625%
HK$96,467
+HK$4,831/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$183,272/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,173
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,009
−HK$2,882/mo
Today · 4.125%
HK$96,891
baseline
▲ 0.50% · 4.625%
HK$102,786
+HK$5,895/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,782/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,429
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,150
−HK$2,759/mo
Today · 4.125%
HK$106,909
baseline
▲ 0.50% · 4.625%
HK$112,545
+HK$5,636/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,818/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,223
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,869
−HK$3,705/mo
Today · 4.125%
HK$124,574
baseline
▲ 0.50% · 4.625%
HK$132,154
+HK$7,580/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,148/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,409
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,907
−HK$3,548/mo
Today · 4.125%
HK$137,455
baseline
▲ 0.50% · 4.625%
HK$144,700
+HK$7,245/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$274,910/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,793 · Scale 2, in force from 26 Feb 2026)