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$65,187
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,215
−HK$2,060/mo
Today · 4.125%
HK$69,275
baseline
▲ 0.50% · 4.625%
HK$73,490
+HK$4,215/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,550/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,520
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,465
−HK$1,973/mo
Today · 4.125%
HK$76,438
baseline
▲ 0.50% · 4.625%
HK$80,467
+HK$4,029/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,876/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,224
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,658
−HK$2,472/mo
Today · 4.125%
HK$83,130
baseline
▲ 0.50% · 4.625%
HK$88,188
+HK$5,058/mo
Deposit HK$11.44M · loan HK$17.15M · min. income ≈ HK$166,260/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,024
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,358
−HK$2,367/mo
Today · 4.125%
HK$91,725
baseline
▲ 0.50% · 4.625%
HK$96,560
+HK$4,835/mo
Deposit HK$11.44M · loan HK$17.15M · min. income ≈ HK$183,450/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,262
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$94,101
−HK$2,884/mo
Today · 4.125%
HK$96,985
baseline
▲ 0.50% · 4.625%
HK$102,886
+HK$5,901/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$193,970/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,528
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,251
−HK$2,762/mo
Today · 4.125%
HK$107,013
baseline
▲ 0.50% · 4.625%
HK$112,654
+HK$5,641/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$214,026/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,337
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$120,986
−HK$3,709/mo
Today · 4.125%
HK$124,695
baseline
▲ 0.50% · 4.625%
HK$132,282
+HK$7,587/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$249,390/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,536
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$134,037
−HK$3,551/mo
Today · 4.125%
HK$137,588
baseline
▲ 0.50% · 4.625%
HK$144,841
+HK$7,253/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$275,176/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,972 · Scale 2, in force from 26 Feb 2026)