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$65,201
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,229
−HK$2,060/mo
Today · 4.125%
HK$69,289
baseline
▲ 0.50% · 4.625%
HK$73,505
+HK$4,216/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,578/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,535
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,480
−HK$1,974/mo
Today · 4.125%
HK$76,454
baseline
▲ 0.50% · 4.625%
HK$80,484
+HK$4,030/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,908/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,241
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,674
−HK$2,473/mo
Today · 4.125%
HK$83,147
baseline
▲ 0.50% · 4.625%
HK$88,206
+HK$5,059/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$166,294/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,042
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$89,376
−HK$2,369/mo
Today · 4.125%
HK$91,745
baseline
▲ 0.50% · 4.625%
HK$96,581
+HK$4,836/mo
Deposit HK$11.44M · loan HK$17.16M · min. income ≈ HK$183,490/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,281
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,120
−HK$2,885/mo
Today · 4.125%
HK$97,005
baseline
▲ 0.50% · 4.625%
HK$102,908
+HK$5,903/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$194,010/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,549
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,273
−HK$2,762/mo
Today · 4.125%
HK$107,035
baseline
▲ 0.50% · 4.625%
HK$112,677
+HK$5,642/mo
Deposit HK$8.58M · loan HK$20.02M · min. income ≈ HK$214,070/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,361
−HK$7,360/mo
▼ 0.25% · 3.875%
HK$121,012
−HK$3,709/mo
Today · 4.125%
HK$124,721
baseline
▲ 0.50% · 4.625%
HK$132,310
+HK$7,589/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$249,442/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,563
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$134,065
−HK$3,552/mo
Today · 4.125%
HK$137,617
baseline
▲ 0.50% · 4.625%
HK$144,871
+HK$7,254/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$275,234/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,226 · Scale 2, in force from 26 Feb 2026)