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$64,950
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,970
−HK$2,052/mo
Today · 4.125%
HK$69,022
baseline
▲ 0.50% · 4.625%
HK$73,222
+HK$4,200/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,044/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,256
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,194
−HK$1,965/mo
Today · 4.125%
HK$76,159
baseline
▲ 0.50% · 4.625%
HK$80,174
+HK$4,015/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,318/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,939
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,364
−HK$2,463/mo
Today · 4.125%
HK$82,827
baseline
▲ 0.50% · 4.625%
HK$87,867
+HK$5,040/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,654/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,707
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$89,032
−HK$2,359/mo
Today · 4.125%
HK$91,391
baseline
▲ 0.50% · 4.625%
HK$96,209
+HK$4,818/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,782/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,929
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,758
−HK$2,873/mo
Today · 4.125%
HK$96,631
baseline
▲ 0.50% · 4.625%
HK$102,511
+HK$5,880/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,262/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,158
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,871
−HK$2,752/mo
Today · 4.125%
HK$106,623
baseline
▲ 0.50% · 4.625%
HK$112,243
+HK$5,620/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,246/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,909
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$120,546
−HK$3,694/mo
Today · 4.125%
HK$124,240
baseline
▲ 0.50% · 4.625%
HK$131,800
+HK$7,560/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,480/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,060
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,548
−HK$3,539/mo
Today · 4.125%
HK$137,087
baseline
▲ 0.50% · 4.625%
HK$144,313
+HK$7,226/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,174/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,546 · Scale 2, in force from 26 Feb 2026)