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$65,055
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$67,078
−HK$2,056/mo
Today · 4.125%
HK$69,134
baseline
▲ 0.50% · 4.625%
HK$73,341
+HK$4,207/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,268/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,373
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,314
−HK$1,969/mo
Today · 4.125%
HK$76,283
baseline
▲ 0.50% · 4.625%
HK$80,304
+HK$4,021/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,566/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,066
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,494
−HK$2,467/mo
Today · 4.125%
HK$82,961
baseline
▲ 0.50% · 4.625%
HK$88,009
+HK$5,048/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,922/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,847
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,177
−HK$2,363/mo
Today · 4.125%
HK$91,540
baseline
▲ 0.50% · 4.625%
HK$96,365
+HK$4,825/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,080/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,077
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,910
−HK$2,878/mo
Today · 4.125%
HK$96,788
baseline
▲ 0.50% · 4.625%
HK$102,677
+HK$5,889/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,576/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,322
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,039
−HK$2,757/mo
Today · 4.125%
HK$106,796
baseline
▲ 0.50% · 4.625%
HK$112,426
+HK$5,630/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,592/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,099
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,741
−HK$3,701/mo
Today · 4.125%
HK$124,442
baseline
▲ 0.50% · 4.625%
HK$132,014
+HK$7,572/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,884/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,271
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$133,765
−HK$3,544/mo
Today · 4.125%
HK$137,309
baseline
▲ 0.50% · 4.625%
HK$144,547
+HK$7,238/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,618/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,510 · Scale 2, in force from 26 Feb 2026)