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$65,122
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,148
−HK$2,058/mo
Today · 4.125%
HK$69,206
baseline
▲ 0.50% · 4.625%
HK$73,417
+HK$4,211/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,412/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,448
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,391
−HK$1,971/mo
Today · 4.125%
HK$76,362
baseline
▲ 0.50% · 4.625%
HK$80,387
+HK$4,025/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,724/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,147
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,577
−HK$2,470/mo
Today · 4.125%
HK$83,047
baseline
▲ 0.50% · 4.625%
HK$88,100
+HK$5,053/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$166,094/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,937
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,269
−HK$2,365/mo
Today · 4.125%
HK$91,634
baseline
▲ 0.50% · 4.625%
HK$96,464
+HK$4,830/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$183,268/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,171
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,007
−HK$2,881/mo
Today · 4.125%
HK$96,888
baseline
▲ 0.50% · 4.625%
HK$102,784
+HK$5,896/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,776/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,427
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,147
−HK$2,760/mo
Today · 4.125%
HK$106,907
baseline
▲ 0.50% · 4.625%
HK$112,542
+HK$5,635/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,814/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,220
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,866
−HK$3,705/mo
Today · 4.125%
HK$124,571
baseline
▲ 0.50% · 4.625%
HK$132,150
+HK$7,579/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,142/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,406
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,903
−HK$3,548/mo
Today · 4.125%
HK$137,451
baseline
▲ 0.50% · 4.625%
HK$144,697
+HK$7,246/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$274,902/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,764 · Scale 2, in force from 26 Feb 2026)