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$65,147
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,173
−HK$2,059/mo
Today · 4.125%
HK$69,232
baseline
▲ 0.50% · 4.625%
HK$73,445
+HK$4,213/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,464/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,475
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,419
−HK$1,972/mo
Today · 4.125%
HK$76,391
baseline
▲ 0.50% · 4.625%
HK$80,417
+HK$4,026/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,782/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,176
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,608
−HK$2,470/mo
Today · 4.125%
HK$83,078
baseline
▲ 0.50% · 4.625%
HK$88,133
+HK$5,055/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,156/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,970
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,302
−HK$2,367/mo
Today · 4.125%
HK$91,669
baseline
▲ 0.50% · 4.625%
HK$96,501
+HK$4,832/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,338/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,205
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,042
−HK$2,883/mo
Today · 4.125%
HK$96,925
baseline
▲ 0.50% · 4.625%
HK$102,822
+HK$5,897/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,850/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,465
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,186
−HK$2,761/mo
Today · 4.125%
HK$106,947
baseline
▲ 0.50% · 4.625%
HK$112,584
+HK$5,637/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,894/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,264
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$120,912
−HK$3,705/mo
Today · 4.125%
HK$124,617
baseline
▲ 0.50% · 4.625%
HK$132,200
+HK$7,583/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,234/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,455
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$133,954
−HK$3,549/mo
Today · 4.125%
HK$137,503
baseline
▲ 0.50% · 4.625%
HK$144,751
+HK$7,248/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$275,006/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,220 · Scale 2, in force from 26 Feb 2026)