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$65,074
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,098
−HK$2,057/mo
Today · 4.125%
HK$69,155
baseline
▲ 0.50% · 4.625%
HK$73,363
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,310/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,394
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,336
−HK$1,969/mo
Today · 4.125%
HK$76,305
baseline
▲ 0.50% · 4.625%
HK$80,328
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,610/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,089
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,518
−HK$2,468/mo
Today · 4.125%
HK$82,986
baseline
▲ 0.50% · 4.625%
HK$88,035
+HK$5,049/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$165,972/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,873
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,203
−HK$2,363/mo
Today · 4.125%
HK$91,566
baseline
▲ 0.50% · 4.625%
HK$96,393
+HK$4,827/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$183,132/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,104
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,937
−HK$2,880/mo
Today · 4.125%
HK$96,817
baseline
▲ 0.50% · 4.625%
HK$102,708
+HK$5,891/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,634/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,352
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,070
−HK$2,758/mo
Today · 4.125%
HK$106,828
baseline
▲ 0.50% · 4.625%
HK$112,459
+HK$5,631/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,656/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,133
−HK$7,345/mo
▼ 0.25% · 3.875%
HK$120,777
−HK$3,701/mo
Today · 4.125%
HK$124,478
baseline
▲ 0.50% · 4.625%
HK$132,053
+HK$7,575/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,956/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,309
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,804
−HK$3,546/mo
Today · 4.125%
HK$137,350
baseline
▲ 0.50% · 4.625%
HK$144,590
+HK$7,240/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,700/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,866 · Scale 2, in force from 26 Feb 2026)