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$65,045
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,069
−HK$2,055/mo
Today · 4.125%
HK$69,124
baseline
▲ 0.50% · 4.625%
HK$73,330
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,248/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,362
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,303
−HK$1,969/mo
Today · 4.125%
HK$76,272
baseline
▲ 0.50% · 4.625%
HK$80,292
+HK$4,020/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,544/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,054
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,482
−HK$2,467/mo
Today · 4.125%
HK$82,949
baseline
▲ 0.50% · 4.625%
HK$87,996
+HK$5,047/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,898/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,835
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$89,164
−HK$2,362/mo
Today · 4.125%
HK$91,526
baseline
▲ 0.50% · 4.625%
HK$96,351
+HK$4,825/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,052/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,064
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,896
−HK$2,878/mo
Today · 4.125%
HK$96,774
baseline
▲ 0.50% · 4.625%
HK$102,662
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,548/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,307
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,024
−HK$2,757/mo
Today · 4.125%
HK$106,781
baseline
▲ 0.50% · 4.625%
HK$112,409
+HK$5,628/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,562/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,082
−HK$7,342/mo
▼ 0.25% · 3.875%
HK$120,724
−HK$3,700/mo
Today · 4.125%
HK$124,424
baseline
▲ 0.50% · 4.625%
HK$131,995
+HK$7,571/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,848/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,252
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,745
−HK$3,544/mo
Today · 4.125%
HK$137,289
baseline
▲ 0.50% · 4.625%
HK$144,526
+HK$7,237/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,578/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,333 · Scale 2, in force from 26 Feb 2026)