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$65,046
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,069
−HK$2,056/mo
Today · 4.125%
HK$69,125
baseline
▲ 0.50% · 4.625%
HK$73,331
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,250/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,363
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,304
−HK$1,968/mo
Today · 4.125%
HK$76,272
baseline
▲ 0.50% · 4.625%
HK$80,293
+HK$4,021/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$1,212,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,055
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,483
−HK$2,467/mo
Today · 4.125%
HK$82,950
baseline
▲ 0.50% · 4.625%
HK$87,997
+HK$5,047/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,900/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,835
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,164
−HK$2,363/mo
Today · 4.125%
HK$91,527
baseline
▲ 0.50% · 4.625%
HK$96,351
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,054/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,064
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,897
−HK$2,878/mo
Today · 4.125%
HK$96,775
baseline
▲ 0.50% · 4.625%
HK$102,663
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,550/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,308
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$104,025
−HK$2,756/mo
Today · 4.125%
HK$106,781
baseline
▲ 0.50% · 4.625%
HK$112,410
+HK$5,629/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$1,212,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,082
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,724
−HK$3,701/mo
Today · 4.125%
HK$124,425
baseline
▲ 0.50% · 4.625%
HK$131,995
+HK$7,570/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,850/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,253
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$133,746
−HK$3,544/mo
Today · 4.125%
HK$137,290
baseline
▲ 0.50% · 4.625%
HK$144,527
+HK$7,237/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,580/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,340 · Scale 2, in force from 26 Feb 2026)