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$65,058
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,082
−HK$2,056/mo
Today · 4.125%
HK$69,138
baseline
▲ 0.50% · 4.625%
HK$73,345
+HK$4,207/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,276/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,376
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,317
−HK$1,970/mo
Today · 4.125%
HK$76,287
baseline
▲ 0.50% · 4.625%
HK$80,308
+HK$4,021/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,574/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,070
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,498
−HK$2,467/mo
Today · 4.125%
HK$82,965
baseline
▲ 0.50% · 4.625%
HK$88,013
+HK$5,048/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,930/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,852
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,181
−HK$2,363/mo
Today · 4.125%
HK$91,544
baseline
▲ 0.50% · 4.625%
HK$96,369
+HK$4,825/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,088/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,081
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,914
−HK$2,879/mo
Today · 4.125%
HK$96,793
baseline
▲ 0.50% · 4.625%
HK$102,682
+HK$5,889/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,586/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,327
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,044
−HK$2,757/mo
Today · 4.125%
HK$106,801
baseline
▲ 0.50% · 4.625%
HK$112,431
+HK$5,630/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,602/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,104
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,747
−HK$3,701/mo
Today · 4.125%
HK$124,448
baseline
▲ 0.50% · 4.625%
HK$132,020
+HK$7,572/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,896/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,277
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,771
−HK$3,545/mo
Today · 4.125%
HK$137,316
baseline
▲ 0.50% · 4.625%
HK$144,554
+HK$7,238/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,632/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,567 · Scale 2, in force from 26 Feb 2026)