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$64,997
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,019
−HK$2,054/mo
Today · 4.125%
HK$69,073
baseline
▲ 0.50% · 4.625%
HK$73,276
+HK$4,203/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,146/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,308
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,248
−HK$1,967/mo
Today · 4.125%
HK$76,215
baseline
▲ 0.50% · 4.625%
HK$80,232
+HK$4,017/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,430/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,996
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,422
−HK$2,465/mo
Today · 4.125%
HK$82,887
baseline
▲ 0.50% · 4.625%
HK$87,931
+HK$5,044/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,774/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,770
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,097
−HK$2,361/mo
Today · 4.125%
HK$91,458
baseline
▲ 0.50% · 4.625%
HK$96,279
+HK$4,821/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,916/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,996
−HK$5,706/mo
▼ 0.25% · 3.875%
HK$93,826
−HK$2,876/mo
Today · 4.125%
HK$96,702
baseline
▲ 0.50% · 4.625%
HK$102,586
+HK$5,884/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$193,404/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,232
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,947
−HK$2,754/mo
Today · 4.125%
HK$106,701
baseline
▲ 0.50% · 4.625%
HK$112,325
+HK$5,624/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$213,402/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,994
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$120,633
−HK$3,698/mo
Today · 4.125%
HK$124,331
baseline
▲ 0.50% · 4.625%
HK$131,896
+HK$7,565/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$248,662/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,155
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,646
−HK$3,541/mo
Today · 4.125%
HK$137,187
baseline
▲ 0.50% · 4.625%
HK$144,418
+HK$7,231/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$274,374/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,427 · Scale 2, in force from 26 Feb 2026)