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$65,117
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,143
−HK$2,058/mo
Today · 4.125%
HK$69,201
baseline
▲ 0.50% · 4.625%
HK$73,412
+HK$4,211/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,402/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,443
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,385
−HK$1,971/mo
Today · 4.125%
HK$76,356
baseline
▲ 0.50% · 4.625%
HK$80,381
+HK$4,025/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,712/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,141
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,572
−HK$2,469/mo
Today · 4.125%
HK$83,041
baseline
▲ 0.50% · 4.625%
HK$88,094
+HK$5,053/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,082/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,931
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,262
−HK$2,366/mo
Today · 4.125%
HK$91,628
baseline
▲ 0.50% · 4.625%
HK$96,457
+HK$4,829/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,256/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,164
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,000
−HK$2,881/mo
Today · 4.125%
HK$96,881
baseline
▲ 0.50% · 4.625%
HK$102,776
+HK$5,895/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,762/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,420
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,140
−HK$2,759/mo
Today · 4.125%
HK$106,899
baseline
▲ 0.50% · 4.625%
HK$112,534
+HK$5,635/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,798/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,211
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,857
−HK$3,705/mo
Today · 4.125%
HK$124,562
baseline
▲ 0.50% · 4.625%
HK$132,141
+HK$7,579/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,124/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,397
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,894
−HK$3,547/mo
Today · 4.125%
HK$137,441
baseline
▲ 0.50% · 4.625%
HK$144,686
+HK$7,245/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$274,882/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,676 · Scale 2, in force from 26 Feb 2026)