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$65,060
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,084
−HK$2,056/mo
Today · 4.125%
HK$69,140
baseline
▲ 0.50% · 4.625%
HK$73,347
+HK$4,207/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,280/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,379
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,320
−HK$1,969/mo
Today · 4.125%
HK$76,289
baseline
▲ 0.50% · 4.625%
HK$80,311
+HK$4,022/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,578/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,072
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,501
−HK$2,467/mo
Today · 4.125%
HK$82,968
baseline
▲ 0.50% · 4.625%
HK$88,017
+HK$5,049/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,936/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,855
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,184
−HK$2,363/mo
Today · 4.125%
HK$91,547
baseline
▲ 0.50% · 4.625%
HK$96,373
+HK$4,826/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,094/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,085
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,918
−HK$2,878/mo
Today · 4.125%
HK$96,796
baseline
▲ 0.50% · 4.625%
HK$102,686
+HK$5,890/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,592/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,331
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,048
−HK$2,757/mo
Today · 4.125%
HK$106,805
baseline
▲ 0.50% · 4.625%
HK$112,435
+HK$5,630/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,610/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,109
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,751
−HK$3,701/mo
Today · 4.125%
HK$124,452
baseline
▲ 0.50% · 4.625%
HK$132,025
+HK$7,573/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,904/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,282
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,776
−HK$3,545/mo
Today · 4.125%
HK$137,321
baseline
▲ 0.50% · 4.625%
HK$144,559
+HK$7,238/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,642/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,612 · Scale 2, in force from 26 Feb 2026)