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$64,962
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,982
−HK$2,053/mo
Today · 4.125%
HK$69,035
baseline
▲ 0.50% · 4.625%
HK$73,236
+HK$4,201/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,070/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,269
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,207
−HK$1,967/mo
Today · 4.125%
HK$76,174
baseline
▲ 0.50% · 4.625%
HK$80,189
+HK$4,015/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,348/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,954
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,379
−HK$2,463/mo
Today · 4.125%
HK$82,842
baseline
▲ 0.50% · 4.625%
HK$87,883
+HK$5,041/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$165,684/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,723
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,049
−HK$2,359/mo
Today · 4.125%
HK$91,408
baseline
▲ 0.50% · 4.625%
HK$96,227
+HK$4,819/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$182,816/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,946
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,775
−HK$2,874/mo
Today · 4.125%
HK$96,649
baseline
▲ 0.50% · 4.625%
HK$102,530
+HK$5,881/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,298/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,177
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,890
−HK$2,753/mo
Today · 4.125%
HK$106,643
baseline
▲ 0.50% · 4.625%
HK$112,264
+HK$5,621/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,286/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,931
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,568
−HK$3,695/mo
Today · 4.125%
HK$124,263
baseline
▲ 0.50% · 4.625%
HK$131,825
+HK$7,562/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,526/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,084
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$133,573
−HK$3,539/mo
Today · 4.125%
HK$137,112
baseline
▲ 0.50% · 4.625%
HK$144,340
+HK$7,228/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,224/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,770 · Scale 2, in force from 26 Feb 2026)