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$65,098
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,123
−HK$2,057/mo
Today · 4.125%
HK$69,180
baseline
▲ 0.50% · 4.625%
HK$73,390
+HK$4,210/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,360/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,421
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$74,363
−HK$1,971/mo
Today · 4.125%
HK$76,334
baseline
▲ 0.50% · 4.625%
HK$80,357
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,668/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,118
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,547
−HK$2,469/mo
Today · 4.125%
HK$83,016
baseline
▲ 0.50% · 4.625%
HK$88,068
+HK$5,052/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,032/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,905
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,236
−HK$2,364/mo
Today · 4.125%
HK$91,600
baseline
▲ 0.50% · 4.625%
HK$96,429
+HK$4,829/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,200/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,137
−HK$5,715/mo
▼ 0.25% · 3.875%
HK$93,972
−HK$2,880/mo
Today · 4.125%
HK$96,852
baseline
▲ 0.50% · 4.625%
HK$102,746
+HK$5,894/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,704/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,389
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$104,108
−HK$2,759/mo
Today · 4.125%
HK$106,867
baseline
▲ 0.50% · 4.625%
HK$112,500
+HK$5,633/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,734/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,176
−HK$7,348/mo
▼ 0.25% · 3.875%
HK$120,821
−HK$3,703/mo
Today · 4.125%
HK$124,524
baseline
▲ 0.50% · 4.625%
HK$132,101
+HK$7,577/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$249,048/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,358
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,854
−HK$3,546/mo
Today · 4.125%
HK$137,400
baseline
▲ 0.50% · 4.625%
HK$144,643
+HK$7,243/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$274,800/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,313 · Scale 2, in force from 26 Feb 2026)