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$65,015
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,037
−HK$2,055/mo
Today · 4.125%
HK$69,092
baseline
▲ 0.50% · 4.625%
HK$73,296
+HK$4,204/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,184/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,328
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,268
−HK$1,968/mo
Today · 4.125%
HK$76,236
baseline
▲ 0.50% · 4.625%
HK$80,255
+HK$4,019/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,472/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,018
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,445
−HK$2,465/mo
Today · 4.125%
HK$82,910
baseline
▲ 0.50% · 4.625%
HK$87,955
+HK$5,045/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$165,820/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,794
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,122
−HK$2,361/mo
Today · 4.125%
HK$91,483
baseline
▲ 0.50% · 4.625%
HK$96,306
+HK$4,823/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$182,966/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,021
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,852
−HK$2,877/mo
Today · 4.125%
HK$96,729
baseline
▲ 0.50% · 4.625%
HK$102,614
+HK$5,885/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$193,458/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,260
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,976
−HK$2,755/mo
Today · 4.125%
HK$106,731
baseline
▲ 0.50% · 4.625%
HK$112,357
+HK$5,626/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$213,462/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,027
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$120,667
−HK$3,699/mo
Today · 4.125%
HK$124,366
baseline
▲ 0.50% · 4.625%
HK$131,933
+HK$7,567/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,732/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,191
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,683
−HK$3,542/mo
Today · 4.125%
HK$137,225
baseline
▲ 0.50% · 4.625%
HK$144,458
+HK$7,233/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,450/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,766 · Scale 2, in force from 26 Feb 2026)