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$65,011
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,033
−HK$2,055/mo
Today · 4.125%
HK$69,088
baseline
▲ 0.50% · 4.625%
HK$73,292
+HK$4,204/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,176/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,324
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,264
−HK$1,968/mo
Today · 4.125%
HK$76,232
baseline
▲ 0.50% · 4.625%
HK$80,250
+HK$4,018/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,464/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,013
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,440
−HK$2,465/mo
Today · 4.125%
HK$82,905
baseline
▲ 0.50% · 4.625%
HK$87,950
+HK$5,045/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$165,810/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,789
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,117
−HK$2,361/mo
Today · 4.125%
HK$91,478
baseline
▲ 0.50% · 4.625%
HK$96,300
+HK$4,822/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$182,956/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,015
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,847
−HK$2,876/mo
Today · 4.125%
HK$96,723
baseline
▲ 0.50% · 4.625%
HK$102,608
+HK$5,885/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$193,446/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,254
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,969
−HK$2,755/mo
Today · 4.125%
HK$106,724
baseline
▲ 0.50% · 4.625%
HK$112,350
+HK$5,626/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$213,448/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,020
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,660
−HK$3,698/mo
Today · 4.125%
HK$124,358
baseline
▲ 0.50% · 4.625%
HK$131,925
+HK$7,567/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,716/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,183
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,675
−HK$3,542/mo
Today · 4.125%
HK$137,217
baseline
▲ 0.50% · 4.625%
HK$144,450
+HK$7,233/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,434/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,693 · Scale 2, in force from 26 Feb 2026)