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$64,943
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,963
−HK$2,053/mo
Today · 4.125%
HK$69,016
baseline
▲ 0.50% · 4.625%
HK$73,215
+HK$4,199/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,032/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,249
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,186
−HK$1,966/mo
Today · 4.125%
HK$76,152
baseline
▲ 0.50% · 4.625%
HK$80,166
+HK$4,014/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,304/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,932
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,356
−HK$2,463/mo
Today · 4.125%
HK$82,819
baseline
▲ 0.50% · 4.625%
HK$87,858
+HK$5,039/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,638/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,698
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,023
−HK$2,359/mo
Today · 4.125%
HK$91,382
baseline
▲ 0.50% · 4.625%
HK$96,199
+HK$4,817/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,764/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,920
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,748
−HK$2,874/mo
Today · 4.125%
HK$96,622
baseline
▲ 0.50% · 4.625%
HK$102,501
+HK$5,879/mo
Deposit HK$8.54M · loan HK$19.94M · min. income ≈ HK$193,244/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,148
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,861
−HK$2,752/mo
Today · 4.125%
HK$106,613
baseline
▲ 0.50% · 4.625%
HK$112,232
+HK$5,619/mo
Deposit HK$8.54M · loan HK$19.94M · min. income ≈ HK$213,226/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,898
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,534
−HK$3,694/mo
Today · 4.125%
HK$124,228
baseline
▲ 0.50% · 4.625%
HK$131,787
+HK$7,559/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$248,456/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,047
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,535
−HK$3,538/mo
Today · 4.125%
HK$137,073
baseline
▲ 0.50% · 4.625%
HK$144,299
+HK$7,226/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$274,146/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,426 · Scale 2, in force from 26 Feb 2026)