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$64,957
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,977
−HK$2,053/mo
Today · 4.125%
HK$69,030
baseline
▲ 0.50% · 4.625%
HK$73,231
+HK$4,201/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,060/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,264
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,202
−HK$1,966/mo
Today · 4.125%
HK$76,168
baseline
▲ 0.50% · 4.625%
HK$80,183
+HK$4,015/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,336/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,948
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,373
−HK$2,463/mo
Today · 4.125%
HK$82,836
baseline
▲ 0.50% · 4.625%
HK$87,877
+HK$5,041/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,672/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,717
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,042
−HK$2,360/mo
Today · 4.125%
HK$91,402
baseline
▲ 0.50% · 4.625%
HK$96,220
+HK$4,818/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,804/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,940
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,768
−HK$2,874/mo
Today · 4.125%
HK$96,642
baseline
▲ 0.50% · 4.625%
HK$102,523
+HK$5,881/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,284/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,169
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,883
−HK$2,752/mo
Today · 4.125%
HK$106,635
baseline
▲ 0.50% · 4.625%
HK$112,256
+HK$5,621/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,270/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,922
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,559
−HK$3,695/mo
Today · 4.125%
HK$124,254
baseline
▲ 0.50% · 4.625%
HK$131,815
+HK$7,561/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,508/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,075
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,563
−HK$3,539/mo
Today · 4.125%
HK$137,102
baseline
▲ 0.50% · 4.625%
HK$144,329
+HK$7,227/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,204/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,683 · Scale 2, in force from 26 Feb 2026)