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$64,992
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,014
−HK$2,054/mo
Today · 4.125%
HK$69,068
baseline
▲ 0.50% · 4.625%
HK$73,270
+HK$4,202/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,136/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,303
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,242
−HK$1,967/mo
Today · 4.125%
HK$76,209
baseline
▲ 0.50% · 4.625%
HK$80,227
+HK$4,018/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,418/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,991
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,417
−HK$2,464/mo
Today · 4.125%
HK$82,881
baseline
▲ 0.50% · 4.625%
HK$87,924
+HK$5,043/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,762/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,764
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,091
−HK$2,360/mo
Today · 4.125%
HK$91,451
baseline
▲ 0.50% · 4.625%
HK$96,272
+HK$4,821/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,902/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,989
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,819
−HK$2,876/mo
Today · 4.125%
HK$96,695
baseline
▲ 0.50% · 4.625%
HK$102,578
+HK$5,883/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$193,390/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,224
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,939
−HK$2,754/mo
Today · 4.125%
HK$106,693
baseline
▲ 0.50% · 4.625%
HK$112,317
+HK$5,624/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$213,386/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,986
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,625
−HK$3,697/mo
Today · 4.125%
HK$124,322
baseline
▲ 0.50% · 4.625%
HK$131,887
+HK$7,565/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$248,644/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,146
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,636
−HK$3,541/mo
Today · 4.125%
HK$137,177
baseline
▲ 0.50% · 4.625%
HK$144,408
+HK$7,231/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$274,354/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,340 · Scale 2, in force from 26 Feb 2026)