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$65,012
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,035
−HK$2,054/mo
Today · 4.125%
HK$69,089
baseline
▲ 0.50% · 4.625%
HK$73,293
+HK$4,204/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,178/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,326
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,265
−HK$1,968/mo
Today · 4.125%
HK$76,233
baseline
▲ 0.50% · 4.625%
HK$80,252
+HK$4,019/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,466/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,015
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,442
−HK$2,465/mo
Today · 4.125%
HK$82,907
baseline
▲ 0.50% · 4.625%
HK$87,952
+HK$5,045/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$165,814/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,791
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,119
−HK$2,361/mo
Today · 4.125%
HK$91,480
baseline
▲ 0.50% · 4.625%
HK$96,302
+HK$4,822/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$182,960/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,017
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,849
−HK$2,876/mo
Today · 4.125%
HK$96,725
baseline
▲ 0.50% · 4.625%
HK$102,611
+HK$5,886/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$193,450/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,256
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,972
−HK$2,755/mo
Today · 4.125%
HK$106,727
baseline
▲ 0.50% · 4.625%
HK$112,352
+HK$5,625/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$213,454/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,022
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$120,663
−HK$3,698/mo
Today · 4.125%
HK$124,361
baseline
▲ 0.50% · 4.625%
HK$131,928
+HK$7,567/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,722/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,186
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,678
−HK$3,542/mo
Today · 4.125%
HK$137,220
baseline
▲ 0.50% · 4.625%
HK$144,453
+HK$7,233/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,440/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,720 · Scale 2, in force from 26 Feb 2026)