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$65,010
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,032
−HK$2,055/mo
Today · 4.125%
HK$69,087
baseline
▲ 0.50% · 4.625%
HK$73,290
+HK$4,203/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,174/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,323
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,263
−HK$1,967/mo
Today · 4.125%
HK$76,230
baseline
▲ 0.50% · 4.625%
HK$80,249
+HK$4,019/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,460/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,012
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,439
−HK$2,465/mo
Today · 4.125%
HK$82,904
baseline
▲ 0.50% · 4.625%
HK$87,949
+HK$5,045/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$165,808/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,788
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,115
−HK$2,361/mo
Today · 4.125%
HK$91,476
baseline
▲ 0.50% · 4.625%
HK$96,298
+HK$4,822/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$182,952/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,014
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,845
−HK$2,876/mo
Today · 4.125%
HK$96,721
baseline
▲ 0.50% · 4.625%
HK$102,607
+HK$5,886/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$193,442/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,252
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,968
−HK$2,755/mo
Today · 4.125%
HK$106,723
baseline
▲ 0.50% · 4.625%
HK$112,348
+HK$5,625/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$213,446/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,018
−HK$7,338/mo
▼ 0.25% · 3.875%
HK$120,658
−HK$3,698/mo
Today · 4.125%
HK$124,356
baseline
▲ 0.50% · 4.625%
HK$131,923
+HK$7,567/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,712/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,181
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,673
−HK$3,542/mo
Today · 4.125%
HK$137,215
baseline
▲ 0.50% · 4.625%
HK$144,447
+HK$7,232/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,430/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,674 · Scale 2, in force from 26 Feb 2026)