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$64,971
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,992
−HK$2,053/mo
Today · 4.125%
HK$69,045
baseline
▲ 0.50% · 4.625%
HK$73,247
+HK$4,202/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,090/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,280
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,218
−HK$1,967/mo
Today · 4.125%
HK$76,185
baseline
▲ 0.50% · 4.625%
HK$80,200
+HK$4,015/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,370/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,965
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,390
−HK$2,464/mo
Today · 4.125%
HK$82,854
baseline
▲ 0.50% · 4.625%
HK$87,896
+HK$5,042/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,708/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,736
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,062
−HK$2,360/mo
Today · 4.125%
HK$91,422
baseline
▲ 0.50% · 4.625%
HK$96,241
+HK$4,819/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,844/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,959
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,789
−HK$2,874/mo
Today · 4.125%
HK$96,663
baseline
▲ 0.50% · 4.625%
HK$102,545
+HK$5,882/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$193,326/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,191
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,905
−HK$2,754/mo
Today · 4.125%
HK$106,659
baseline
▲ 0.50% · 4.625%
HK$112,281
+HK$5,622/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$213,318/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,948
−HK$7,334/mo
▼ 0.25% · 3.875%
HK$120,586
−HK$3,696/mo
Today · 4.125%
HK$124,282
baseline
▲ 0.50% · 4.625%
HK$131,844
+HK$7,562/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,564/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,103
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$133,593
−HK$3,539/mo
Today · 4.125%
HK$137,132
baseline
▲ 0.50% · 4.625%
HK$144,361
+HK$7,229/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,264/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,947 · Scale 2, in force from 26 Feb 2026)