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$65,079
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,103
−HK$2,057/mo
Today · 4.125%
HK$69,160
baseline
▲ 0.50% · 4.625%
HK$73,368
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,320/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,400
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,341
−HK$1,970/mo
Today · 4.125%
HK$76,311
baseline
▲ 0.50% · 4.625%
HK$80,334
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,622/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,095
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,524
−HK$2,468/mo
Today · 4.125%
HK$82,992
baseline
▲ 0.50% · 4.625%
HK$88,042
+HK$5,050/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$165,984/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,880
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,210
−HK$2,364/mo
Today · 4.125%
HK$91,574
baseline
▲ 0.50% · 4.625%
HK$96,401
+HK$4,827/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$183,148/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,111
−HK$5,713/mo
▼ 0.25% · 3.875%
HK$93,945
−HK$2,879/mo
Today · 4.125%
HK$96,824
baseline
▲ 0.50% · 4.625%
HK$102,716
+HK$5,892/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,648/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,360
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,078
−HK$2,758/mo
Today · 4.125%
HK$106,836
baseline
▲ 0.50% · 4.625%
HK$112,467
+HK$5,631/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,672/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,142
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$120,786
−HK$3,702/mo
Today · 4.125%
HK$124,488
baseline
▲ 0.50% · 4.625%
HK$132,063
+HK$7,575/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$248,976/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,320
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$133,815
−HK$3,545/mo
Today · 4.125%
HK$137,360
baseline
▲ 0.50% · 4.625%
HK$144,601
+HK$7,241/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$274,720/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,960 · Scale 2, in force from 26 Feb 2026)