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$65,053
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,077
−HK$2,056/mo
Today · 4.125%
HK$69,133
baseline
▲ 0.50% · 4.625%
HK$73,339
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,266/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,371
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,312
−HK$1,969/mo
Today · 4.125%
HK$76,281
baseline
▲ 0.50% · 4.625%
HK$80,302
+HK$4,021/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,562/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,064
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,492
−HK$2,467/mo
Today · 4.125%
HK$82,959
baseline
▲ 0.50% · 4.625%
HK$88,007
+HK$5,048/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,918/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,845
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,174
−HK$2,363/mo
Today · 4.125%
HK$91,537
baseline
▲ 0.50% · 4.625%
HK$96,362
+HK$4,825/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,074/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,074
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,907
−HK$2,879/mo
Today · 4.125%
HK$96,786
baseline
▲ 0.50% · 4.625%
HK$102,675
+HK$5,889/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,572/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,319
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,037
−HK$2,756/mo
Today · 4.125%
HK$106,793
baseline
▲ 0.50% · 4.625%
HK$112,422
+HK$5,629/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,586/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,096
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,738
−HK$3,701/mo
Today · 4.125%
HK$124,439
baseline
▲ 0.50% · 4.625%
HK$132,010
+HK$7,571/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,878/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,268
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$133,761
−HK$3,545/mo
Today · 4.125%
HK$137,306
baseline
▲ 0.50% · 4.625%
HK$144,543
+HK$7,237/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,612/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,477 · Scale 2, in force from 26 Feb 2026)