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$65,136
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,162
−HK$2,058/mo
Today · 4.125%
HK$69,220
baseline
▲ 0.50% · 4.625%
HK$73,432
+HK$4,212/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,440/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,463
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,406
−HK$1,972/mo
Today · 4.125%
HK$76,378
baseline
▲ 0.50% · 4.625%
HK$80,404
+HK$4,026/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,756/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,163
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,594
−HK$2,470/mo
Today · 4.125%
HK$83,064
baseline
▲ 0.50% · 4.625%
HK$88,119
+HK$5,055/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,128/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,955
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,287
−HK$2,366/mo
Today · 4.125%
HK$91,653
baseline
▲ 0.50% · 4.625%
HK$96,484
+HK$4,831/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,306/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,190
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,026
−HK$2,882/mo
Today · 4.125%
HK$96,908
baseline
▲ 0.50% · 4.625%
HK$102,805
+HK$5,897/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,816/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,214,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,448
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,169
−HK$2,760/mo
Today · 4.125%
HK$106,929
baseline
▲ 0.50% · 4.625%
HK$112,565
+HK$5,636/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,858/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,214,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,244
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,891
−HK$3,705/mo
Today · 4.125%
HK$124,596
baseline
▲ 0.50% · 4.625%
HK$132,178
+HK$7,582/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,192/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,433
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,931
−HK$3,549/mo
Today · 4.125%
HK$137,480
baseline
▲ 0.50% · 4.625%
HK$144,727
+HK$7,247/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$274,960/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,015 · Scale 2, in force from 26 Feb 2026)