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$64,938
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,958
−HK$2,052/mo
Today · 4.125%
HK$69,010
baseline
▲ 0.50% · 4.625%
HK$73,209
+HK$4,199/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,020/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,243
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,180
−HK$1,966/mo
Today · 4.125%
HK$76,146
baseline
▲ 0.50% · 4.625%
HK$80,160
+HK$4,014/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,292/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,926
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,349
−HK$2,463/mo
Today · 4.125%
HK$82,812
baseline
▲ 0.50% · 4.625%
HK$87,851
+HK$5,039/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,624/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,691
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,016
−HK$2,359/mo
Today · 4.125%
HK$91,375
baseline
▲ 0.50% · 4.625%
HK$96,192
+HK$4,817/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,750/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,913
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$93,741
−HK$2,873/mo
Today · 4.125%
HK$96,614
baseline
▲ 0.50% · 4.625%
HK$102,493
+HK$5,879/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,228/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,140
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,852
−HK$2,752/mo
Today · 4.125%
HK$106,604
baseline
▲ 0.50% · 4.625%
HK$112,223
+HK$5,619/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,208/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,888
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,524
−HK$3,694/mo
Today · 4.125%
HK$124,218
baseline
▲ 0.50% · 4.625%
HK$131,777
+HK$7,559/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$248,436/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,037
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,525
−HK$3,538/mo
Today · 4.125%
HK$137,063
baseline
▲ 0.50% · 4.625%
HK$144,287
+HK$7,224/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$274,126/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,331 · Scale 2, in force from 26 Feb 2026)