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$65,190
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,218
−HK$2,060/mo
Today · 4.125%
HK$69,278
baseline
▲ 0.50% · 4.625%
HK$73,493
+HK$4,215/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,556/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,523
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,468
−HK$1,973/mo
Today · 4.125%
HK$76,441
baseline
▲ 0.50% · 4.625%
HK$80,471
+HK$4,030/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,882/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,228
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,661
−HK$2,473/mo
Today · 4.125%
HK$83,134
baseline
▲ 0.50% · 4.625%
HK$88,192
+HK$5,058/mo
Deposit HK$11.44M · loan HK$17.15M · min. income ≈ HK$166,268/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,028
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,362
−HK$2,368/mo
Today · 4.125%
HK$91,730
baseline
▲ 0.50% · 4.625%
HK$96,565
+HK$4,835/mo
Deposit HK$11.44M · loan HK$17.15M · min. income ≈ HK$183,460/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,266
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$94,105
−HK$2,884/mo
Today · 4.125%
HK$96,989
baseline
▲ 0.50% · 4.625%
HK$102,891
+HK$5,902/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$193,978/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,532
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,256
−HK$2,762/mo
Today · 4.125%
HK$107,018
baseline
▲ 0.50% · 4.625%
HK$112,659
+HK$5,641/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$214,036/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,342
−HK$7,358/mo
▼ 0.25% · 3.875%
HK$120,992
−HK$3,708/mo
Today · 4.125%
HK$124,700
baseline
▲ 0.50% · 4.625%
HK$132,288
+HK$7,588/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$249,400/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,542
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$134,043
−HK$3,552/mo
Today · 4.125%
HK$137,595
baseline
▲ 0.50% · 4.625%
HK$144,847
+HK$7,252/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$275,190/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,028 · Scale 2, in force from 26 Feb 2026)