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$65,137
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,163
−HK$2,058/mo
Today · 4.125%
HK$69,221
baseline
▲ 0.50% · 4.625%
HK$73,433
+HK$4,212/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,442/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,464
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,407
−HK$1,972/mo
Today · 4.125%
HK$76,379
baseline
▲ 0.50% · 4.625%
HK$80,405
+HK$4,026/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,758/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,164
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,595
−HK$2,470/mo
Today · 4.125%
HK$83,065
baseline
▲ 0.50% · 4.625%
HK$88,120
+HK$5,055/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,130/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,956
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,289
−HK$2,365/mo
Today · 4.125%
HK$91,654
baseline
▲ 0.50% · 4.625%
HK$96,486
+HK$4,832/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,308/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,191
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,028
−HK$2,882/mo
Today · 4.125%
HK$96,910
baseline
▲ 0.50% · 4.625%
HK$102,806
+HK$5,896/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,820/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,214,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,449
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,170
−HK$2,760/mo
Today · 4.125%
HK$106,930
baseline
▲ 0.50% · 4.625%
HK$112,567
+HK$5,637/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,860/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,214,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,246
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,893
−HK$3,705/mo
Today · 4.125%
HK$124,598
baseline
▲ 0.50% · 4.625%
HK$132,180
+HK$7,582/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,196/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,435
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,933
−HK$3,549/mo
Today · 4.125%
HK$137,482
baseline
▲ 0.50% · 4.625%
HK$144,729
+HK$7,247/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$274,964/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,032 · Scale 2, in force from 26 Feb 2026)