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$65,167
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,194
−HK$2,059/mo
Today · 4.125%
HK$69,253
baseline
▲ 0.50% · 4.625%
HK$73,467
+HK$4,214/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,506/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,497
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,442
−HK$1,972/mo
Today · 4.125%
HK$76,414
baseline
▲ 0.50% · 4.625%
HK$80,442
+HK$4,028/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,828/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,200
−HK$4,904/mo
▼ 0.25% · 3.875%
HK$80,633
−HK$2,471/mo
Today · 4.125%
HK$83,104
baseline
▲ 0.50% · 4.625%
HK$88,161
+HK$5,057/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$166,208/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,997
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$89,330
−HK$2,367/mo
Today · 4.125%
HK$91,697
baseline
▲ 0.50% · 4.625%
HK$96,530
+HK$4,833/mo
Deposit HK$11.43M · loan HK$17.15M · min. income ≈ HK$183,394/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,214,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,233
−HK$5,722/mo
▼ 0.25% · 3.875%
HK$94,071
−HK$2,884/mo
Today · 4.125%
HK$96,955
baseline
▲ 0.50% · 4.625%
HK$102,854
+HK$5,899/mo
Deposit HK$8.57M · loan HK$20.01M · min. income ≈ HK$193,910/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,496
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$104,218
−HK$2,762/mo
Today · 4.125%
HK$106,980
baseline
▲ 0.50% · 4.625%
HK$112,619
+HK$5,639/mo
Deposit HK$8.57M · loan HK$20.01M · min. income ≈ HK$213,960/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,300
−HK$7,356/mo
▼ 0.25% · 3.875%
HK$120,949
−HK$3,707/mo
Today · 4.125%
HK$124,656
baseline
▲ 0.50% · 4.625%
HK$132,241
+HK$7,585/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$249,312/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,495
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$133,995
−HK$3,550/mo
Today · 4.125%
HK$137,545
baseline
▲ 0.50% · 4.625%
HK$144,796
+HK$7,251/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$275,090/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,594 · Scale 2, in force from 26 Feb 2026)