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$65,057
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,081
−HK$2,056/mo
Today · 4.125%
HK$69,137
baseline
▲ 0.50% · 4.625%
HK$73,344
+HK$4,207/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,274/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,376
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,317
−HK$1,969/mo
Today · 4.125%
HK$76,286
baseline
▲ 0.50% · 4.625%
HK$80,307
+HK$4,021/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,572/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,069
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,497
−HK$2,468/mo
Today · 4.125%
HK$82,965
baseline
▲ 0.50% · 4.625%
HK$88,013
+HK$5,048/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,930/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,851
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,180
−HK$2,363/mo
Today · 4.125%
HK$91,543
baseline
▲ 0.50% · 4.625%
HK$96,369
+HK$4,826/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,086/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,080
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,914
−HK$2,878/mo
Today · 4.125%
HK$96,792
baseline
▲ 0.50% · 4.625%
HK$102,681
+HK$5,889/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,584/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,326
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,044
−HK$2,756/mo
Today · 4.125%
HK$106,800
baseline
▲ 0.50% · 4.625%
HK$112,430
+HK$5,630/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,600/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,103
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,746
−HK$3,701/mo
Today · 4.125%
HK$124,447
baseline
▲ 0.50% · 4.625%
HK$132,019
+HK$7,572/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,894/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,276
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,770
−HK$3,545/mo
Today · 4.125%
HK$137,315
baseline
▲ 0.50% · 4.625%
HK$144,553
+HK$7,238/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,630/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,557 · Scale 2, in force from 26 Feb 2026)