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$65,137
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,163
−HK$2,059/mo
Today · 4.125%
HK$69,222
baseline
▲ 0.50% · 4.625%
HK$73,434
+HK$4,212/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,444/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,464
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,408
−HK$1,971/mo
Today · 4.125%
HK$76,379
baseline
▲ 0.50% · 4.625%
HK$80,405
+HK$4,026/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,758/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,164
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,596
−HK$2,470/mo
Today · 4.125%
HK$83,066
baseline
▲ 0.50% · 4.625%
HK$88,120
+HK$5,054/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,132/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,957
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,289
−HK$2,366/mo
Today · 4.125%
HK$91,655
baseline
▲ 0.50% · 4.625%
HK$96,486
+HK$4,831/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,310/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,192
−HK$5,718/mo
▼ 0.25% · 3.875%
HK$94,028
−HK$2,882/mo
Today · 4.125%
HK$96,910
baseline
▲ 0.50% · 4.625%
HK$102,807
+HK$5,897/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,820/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,214,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,450
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,171
−HK$2,760/mo
Today · 4.125%
HK$106,931
baseline
▲ 0.50% · 4.625%
HK$112,567
+HK$5,636/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,862/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,214,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,246
−HK$7,353/mo
▼ 0.25% · 3.875%
HK$120,893
−HK$3,706/mo
Today · 4.125%
HK$124,599
baseline
▲ 0.50% · 4.625%
HK$132,180
+HK$7,581/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,198/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,436
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,934
−HK$3,549/mo
Today · 4.125%
HK$137,483
baseline
▲ 0.50% · 4.625%
HK$144,729
+HK$7,246/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$274,966/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,039 · Scale 2, in force from 26 Feb 2026)