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$65,176
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,203
−HK$2,060/mo
Today · 4.125%
HK$69,263
baseline
▲ 0.50% · 4.625%
HK$73,478
+HK$4,215/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,526/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,214,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,508
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,452
−HK$1,973/mo
Today · 4.125%
HK$76,425
baseline
▲ 0.50% · 4.625%
HK$80,453
+HK$4,028/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,850/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,214,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,211
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,644
−HK$2,472/mo
Today · 4.125%
HK$83,116
baseline
▲ 0.50% · 4.625%
HK$88,173
+HK$5,057/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$166,232/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,009
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,343
−HK$2,367/mo
Today · 4.125%
HK$91,710
baseline
▲ 0.50% · 4.625%
HK$96,544
+HK$4,834/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$183,420/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,246
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$94,085
−HK$2,883/mo
Today · 4.125%
HK$96,968
baseline
▲ 0.50% · 4.625%
HK$102,869
+HK$5,901/mo
Deposit HK$8.57M · loan HK$20.01M · min. income ≈ HK$193,936/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,511
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,233
−HK$2,762/mo
Today · 4.125%
HK$106,995
baseline
▲ 0.50% · 4.625%
HK$112,635
+HK$5,640/mo
Deposit HK$8.57M · loan HK$20.01M · min. income ≈ HK$213,990/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,317
−HK$7,357/mo
▼ 0.25% · 3.875%
HK$120,966
−HK$3,708/mo
Today · 4.125%
HK$124,674
baseline
▲ 0.50% · 4.625%
HK$132,260
+HK$7,586/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$249,348/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,514
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$134,014
−HK$3,551/mo
Today · 4.125%
HK$137,565
baseline
▲ 0.50% · 4.625%
HK$144,816
+HK$7,251/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$275,130/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,767 · Scale 2, in force from 26 Feb 2026)