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$65,180
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,208
−HK$2,060/mo
Today · 4.125%
HK$69,268
baseline
▲ 0.50% · 4.625%
HK$73,482
+HK$4,214/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,536/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,214,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,512
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,457
−HK$1,973/mo
Today · 4.125%
HK$76,430
baseline
▲ 0.50% · 4.625%
HK$80,459
+HK$4,029/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,860/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,214,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,216
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,649
−HK$2,472/mo
Today · 4.125%
HK$83,121
baseline
▲ 0.50% · 4.625%
HK$88,179
+HK$5,058/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$166,242/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,015
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,349
−HK$2,367/mo
Today · 4.125%
HK$91,716
baseline
▲ 0.50% · 4.625%
HK$96,551
+HK$4,835/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$183,432/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,252
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$94,091
−HK$2,884/mo
Today · 4.125%
HK$96,975
baseline
▲ 0.50% · 4.625%
HK$102,875
+HK$5,900/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$193,950/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,517
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$104,240
−HK$2,762/mo
Today · 4.125%
HK$107,002
baseline
▲ 0.50% · 4.625%
HK$112,642
+HK$5,640/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$214,004/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,324
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$120,974
−HK$3,708/mo
Today · 4.125%
HK$124,682
baseline
▲ 0.50% · 4.625%
HK$132,268
+HK$7,586/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$249,364/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,522
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$134,023
−HK$3,551/mo
Today · 4.125%
HK$137,574
baseline
▲ 0.50% · 4.625%
HK$144,826
+HK$7,252/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$275,148/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,847 · Scale 2, in force from 26 Feb 2026)