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$64,940
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,959
−HK$2,053/mo
Today · 4.125%
HK$69,012
baseline
▲ 0.50% · 4.625%
HK$73,211
+HK$4,199/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,024/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,245
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,182
−HK$1,966/mo
Today · 4.125%
HK$76,148
baseline
▲ 0.50% · 4.625%
HK$80,162
+HK$4,014/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,296/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,927
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,351
−HK$2,463/mo
Today · 4.125%
HK$82,814
baseline
▲ 0.50% · 4.625%
HK$87,853
+HK$5,039/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,628/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,693
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,019
−HK$2,358/mo
Today · 4.125%
HK$91,377
baseline
▲ 0.50% · 4.625%
HK$96,194
+HK$4,817/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,754/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,915
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,743
−HK$2,874/mo
Today · 4.125%
HK$96,617
baseline
▲ 0.50% · 4.625%
HK$102,495
+HK$5,878/mo
Deposit HK$8.54M · loan HK$19.94M · min. income ≈ HK$193,234/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,142
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,855
−HK$2,752/mo
Today · 4.125%
HK$106,607
baseline
▲ 0.50% · 4.625%
HK$112,226
+HK$5,619/mo
Deposit HK$8.54M · loan HK$19.94M · min. income ≈ HK$213,214/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,891
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,527
−HK$3,694/mo
Today · 4.125%
HK$124,221
baseline
▲ 0.50% · 4.625%
HK$131,780
+HK$7,559/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$248,442/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,040
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$133,528
−HK$3,538/mo
Today · 4.125%
HK$137,066
baseline
▲ 0.50% · 4.625%
HK$144,291
+HK$7,225/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$274,132/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,360 · Scale 2, in force from 26 Feb 2026)