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$65,168
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,196
−HK$2,059/mo
Today · 4.125%
HK$69,255
baseline
▲ 0.50% · 4.625%
HK$73,469
+HK$4,214/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,510/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,499
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,444
−HK$1,972/mo
Today · 4.125%
HK$76,416
baseline
▲ 0.50% · 4.625%
HK$80,444
+HK$4,028/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,832/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,202
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,635
−HK$2,471/mo
Today · 4.125%
HK$83,106
baseline
▲ 0.50% · 4.625%
HK$88,163
+HK$5,057/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$166,212/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,999
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,332
−HK$2,367/mo
Today · 4.125%
HK$91,699
baseline
▲ 0.50% · 4.625%
HK$96,533
+HK$4,834/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$183,398/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,236
−HK$5,721/mo
▼ 0.25% · 3.875%
HK$94,074
−HK$2,883/mo
Today · 4.125%
HK$96,957
baseline
▲ 0.50% · 4.625%
HK$102,857
+HK$5,900/mo
Deposit HK$8.57M · loan HK$20.01M · min. income ≈ HK$193,914/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,499
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,221
−HK$2,762/mo
Today · 4.125%
HK$106,983
baseline
▲ 0.50% · 4.625%
HK$112,622
+HK$5,639/mo
Deposit HK$8.57M · loan HK$20.01M · min. income ≈ HK$213,966/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,303
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$120,952
−HK$3,707/mo
Today · 4.125%
HK$124,659
baseline
▲ 0.50% · 4.625%
HK$132,244
+HK$7,585/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$249,318/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,499
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$133,998
−HK$3,551/mo
Today · 4.125%
HK$137,549
baseline
▲ 0.50% · 4.625%
HK$144,799
+HK$7,250/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$275,098/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,626 · Scale 2, in force from 26 Feb 2026)