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$65,150
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,176
−HK$2,059/mo
Today · 4.125%
HK$69,235
baseline
▲ 0.50% · 4.625%
HK$73,448
+HK$4,213/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,470/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,478
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,422
−HK$1,972/mo
Today · 4.125%
HK$76,394
baseline
▲ 0.50% · 4.625%
HK$80,421
+HK$4,027/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,788/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,180
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,612
−HK$2,470/mo
Today · 4.125%
HK$83,082
baseline
▲ 0.50% · 4.625%
HK$88,138
+HK$5,056/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,164/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,974
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,307
−HK$2,366/mo
Today · 4.125%
HK$91,673
baseline
▲ 0.50% · 4.625%
HK$96,505
+HK$4,832/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,346/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,210
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,047
−HK$2,882/mo
Today · 4.125%
HK$96,929
baseline
▲ 0.50% · 4.625%
HK$102,827
+HK$5,898/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,858/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,470
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,191
−HK$2,761/mo
Today · 4.125%
HK$106,952
baseline
▲ 0.50% · 4.625%
HK$112,589
+HK$5,637/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,904/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,270
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$120,917
−HK$3,706/mo
Today · 4.125%
HK$124,623
baseline
▲ 0.50% · 4.625%
HK$132,206
+HK$7,583/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,246/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,461
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,960
−HK$3,550/mo
Today · 4.125%
HK$137,510
baseline
▲ 0.50% · 4.625%
HK$144,758
+HK$7,248/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$275,020/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,278 · Scale 2, in force from 26 Feb 2026)