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$65,023
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,046
−HK$2,055/mo
Today · 4.125%
HK$69,101
baseline
▲ 0.50% · 4.625%
HK$73,306
+HK$4,205/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,202/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,338
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,278
−HK$1,968/mo
Today · 4.125%
HK$76,246
baseline
▲ 0.50% · 4.625%
HK$80,265
+HK$4,019/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,492/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,028
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,455
−HK$2,466/mo
Today · 4.125%
HK$82,921
baseline
▲ 0.50% · 4.625%
HK$87,967
+HK$5,046/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,842/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,806
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,134
−HK$2,361/mo
Today · 4.125%
HK$91,495
baseline
▲ 0.50% · 4.625%
HK$96,318
+HK$4,823/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$182,990/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,033
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,865
−HK$2,876/mo
Today · 4.125%
HK$96,741
baseline
▲ 0.50% · 4.625%
HK$102,628
+HK$5,887/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$193,482/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,273
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$103,989
−HK$2,756/mo
Today · 4.125%
HK$106,745
baseline
▲ 0.50% · 4.625%
HK$112,371
+HK$5,626/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$213,490/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,042
−HK$7,340/mo
▼ 0.25% · 3.875%
HK$120,683
−HK$3,699/mo
Today · 4.125%
HK$124,382
baseline
▲ 0.50% · 4.625%
HK$131,950
+HK$7,568/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,764/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,208
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$133,700
−HK$3,543/mo
Today · 4.125%
HK$137,243
baseline
▲ 0.50% · 4.625%
HK$144,477
+HK$7,234/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,486/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,925 · Scale 2, in force from 26 Feb 2026)