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$65,008
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,030
−HK$2,054/mo
Today · 4.125%
HK$69,084
baseline
▲ 0.50% · 4.625%
HK$73,288
+HK$4,204/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,168/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,320
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,260
−HK$1,967/mo
Today · 4.125%
HK$76,227
baseline
▲ 0.50% · 4.625%
HK$80,245
+HK$4,018/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,454/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,009
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,436
−HK$2,465/mo
Today · 4.125%
HK$82,901
baseline
▲ 0.50% · 4.625%
HK$87,945
+HK$5,044/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$165,802/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,784
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,112
−HK$2,361/mo
Today · 4.125%
HK$91,473
baseline
▲ 0.50% · 4.625%
HK$96,295
+HK$4,822/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$182,946/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,011
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,841
−HK$2,877/mo
Today · 4.125%
HK$96,718
baseline
▲ 0.50% · 4.625%
HK$102,603
+HK$5,885/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$193,436/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,248
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,964
−HK$2,754/mo
Today · 4.125%
HK$106,718
baseline
▲ 0.50% · 4.625%
HK$112,344
+HK$5,626/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$213,436/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,014
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$120,653
−HK$3,698/mo
Today · 4.125%
HK$124,351
baseline
▲ 0.50% · 4.625%
HK$131,918
+HK$7,567/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,702/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,176
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$133,668
−HK$3,541/mo
Today · 4.125%
HK$137,209
baseline
▲ 0.50% · 4.625%
HK$144,442
+HK$7,233/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,418/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,627 · Scale 2, in force from 26 Feb 2026)