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$65,134
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,160
−HK$2,058/mo
Today · 4.125%
HK$69,218
baseline
▲ 0.50% · 4.625%
HK$73,430
+HK$4,212/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,436/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,213,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,461
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,404
−HK$1,972/mo
Today · 4.125%
HK$76,376
baseline
▲ 0.50% · 4.625%
HK$80,402
+HK$4,026/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,752/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,213,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,161
−HK$4,901/mo
▼ 0.25% · 3.875%
HK$80,592
−HK$2,470/mo
Today · 4.125%
HK$83,062
baseline
▲ 0.50% · 4.625%
HK$88,116
+HK$5,054/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,124/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,953
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$89,285
−HK$2,366/mo
Today · 4.125%
HK$91,651
baseline
▲ 0.50% · 4.625%
HK$96,482
+HK$4,831/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,302/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,187
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,024
−HK$2,882/mo
Today · 4.125%
HK$96,906
baseline
▲ 0.50% · 4.625%
HK$102,802
+HK$5,896/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,812/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,445
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$104,166
−HK$2,760/mo
Today · 4.125%
HK$106,926
baseline
▲ 0.50% · 4.625%
HK$112,562
+HK$5,636/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,852/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,241
−HK$7,352/mo
▼ 0.25% · 3.875%
HK$120,888
−HK$3,705/mo
Today · 4.125%
HK$124,593
baseline
▲ 0.50% · 4.625%
HK$132,174
+HK$7,581/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,186/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,429
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$133,927
−HK$3,549/mo
Today · 4.125%
HK$137,476
baseline
▲ 0.50% · 4.625%
HK$144,723
+HK$7,247/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$274,952/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,983 · Scale 2, in force from 26 Feb 2026)