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$65,167
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,194
−HK$2,060/mo
Today · 4.125%
HK$69,254
baseline
▲ 0.50% · 4.625%
HK$73,468
+HK$4,214/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,508/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,498
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,442
−HK$1,973/mo
Today · 4.125%
HK$76,415
baseline
▲ 0.50% · 4.625%
HK$80,443
+HK$4,028/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,830/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,201
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,633
−HK$2,472/mo
Today · 4.125%
HK$83,105
baseline
▲ 0.50% · 4.625%
HK$88,161
+HK$5,056/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$166,210/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,998
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,331
−HK$2,367/mo
Today · 4.125%
HK$91,698
baseline
▲ 0.50% · 4.625%
HK$96,531
+HK$4,833/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$183,396/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,234
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,072
−HK$2,883/mo
Today · 4.125%
HK$96,955
baseline
▲ 0.50% · 4.625%
HK$102,855
+HK$5,900/mo
Deposit HK$8.57M · loan HK$20.01M · min. income ≈ HK$193,910/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,497
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,219
−HK$2,762/mo
Today · 4.125%
HK$106,981
baseline
▲ 0.50% · 4.625%
HK$112,620
+HK$5,639/mo
Deposit HK$8.57M · loan HK$20.01M · min. income ≈ HK$213,962/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,301
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$120,950
−HK$3,707/mo
Today · 4.125%
HK$124,657
baseline
▲ 0.50% · 4.625%
HK$132,242
+HK$7,585/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$249,314/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,496
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$133,996
−HK$3,551/mo
Today · 4.125%
HK$137,547
baseline
▲ 0.50% · 4.625%
HK$144,797
+HK$7,250/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$275,094/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,606 · Scale 2, in force from 26 Feb 2026)