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$65,037
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,060
−HK$2,056/mo
Today · 4.125%
HK$69,116
baseline
▲ 0.50% · 4.625%
HK$73,321
+HK$4,205/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,232/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,354
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,294
−HK$1,969/mo
Today · 4.125%
HK$76,263
baseline
▲ 0.50% · 4.625%
HK$80,282
+HK$4,019/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,526/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,045
−HK$4,894/mo
▼ 0.25% · 3.875%
HK$80,473
−HK$2,466/mo
Today · 4.125%
HK$82,939
baseline
▲ 0.50% · 4.625%
HK$87,986
+HK$5,047/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,878/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,824
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,153
−HK$2,362/mo
Today · 4.125%
HK$91,515
baseline
▲ 0.50% · 4.625%
HK$96,339
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,030/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,052
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,885
−HK$2,877/mo
Today · 4.125%
HK$96,762
baseline
▲ 0.50% · 4.625%
HK$102,650
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,524/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,295
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,012
−HK$2,756/mo
Today · 4.125%
HK$106,768
baseline
▲ 0.50% · 4.625%
HK$112,395
+HK$5,627/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,536/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,067
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$120,709
−HK$3,700/mo
Today · 4.125%
HK$124,409
baseline
▲ 0.50% · 4.625%
HK$131,979
+HK$7,570/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,818/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,236
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,729
−HK$3,544/mo
Today · 4.125%
HK$137,273
baseline
▲ 0.50% · 4.625%
HK$144,508
+HK$7,235/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,546/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,185 · Scale 2, in force from 26 Feb 2026)