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$64,952
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,973
−HK$2,052/mo
Today · 4.125%
HK$69,025
baseline
▲ 0.50% · 4.625%
HK$73,225
+HK$4,200/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,050/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,259
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,197
−HK$1,966/mo
Today · 4.125%
HK$76,163
baseline
▲ 0.50% · 4.625%
HK$80,177
+HK$4,014/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,326/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,943
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,367
−HK$2,463/mo
Today · 4.125%
HK$82,830
baseline
▲ 0.50% · 4.625%
HK$87,870
+HK$5,040/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,660/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,710
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,036
−HK$2,359/mo
Today · 4.125%
HK$91,395
baseline
▲ 0.50% · 4.625%
HK$96,213
+HK$4,818/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,790/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,933
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,762
−HK$2,873/mo
Today · 4.125%
HK$96,635
baseline
▲ 0.50% · 4.625%
HK$102,515
+HK$5,880/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,270/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,162
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,875
−HK$2,753/mo
Today · 4.125%
HK$106,628
baseline
▲ 0.50% · 4.625%
HK$112,248
+HK$5,620/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,256/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,914
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,551
−HK$3,695/mo
Today · 4.125%
HK$124,246
baseline
▲ 0.50% · 4.625%
HK$131,806
+HK$7,560/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,492/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,066
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,554
−HK$3,539/mo
Today · 4.125%
HK$137,093
baseline
▲ 0.50% · 4.625%
HK$144,319
+HK$7,226/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,186/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,597 · Scale 2, in force from 26 Feb 2026)