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$65,155
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$67,182
−HK$2,059/mo
Today · 4.125%
HK$69,241
baseline
▲ 0.50% · 4.625%
HK$73,454
+HK$4,213/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,482/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,485
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,429
−HK$1,972/mo
Today · 4.125%
HK$76,401
baseline
▲ 0.50% · 4.625%
HK$80,428
+HK$4,027/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,802/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,186
−HK$4,903/mo
▼ 0.25% · 3.875%
HK$80,618
−HK$2,471/mo
Today · 4.125%
HK$83,089
baseline
▲ 0.50% · 4.625%
HK$88,145
+HK$5,056/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,178/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,982
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,314
−HK$2,367/mo
Today · 4.125%
HK$91,681
baseline
▲ 0.50% · 4.625%
HK$96,514
+HK$4,833/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,362/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,218
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,055
−HK$2,883/mo
Today · 4.125%
HK$96,938
baseline
▲ 0.50% · 4.625%
HK$102,836
+HK$5,898/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,876/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,479
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,200
−HK$2,761/mo
Today · 4.125%
HK$106,961
baseline
▲ 0.50% · 4.625%
HK$112,599
+HK$5,638/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,922/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,280
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$120,928
−HK$3,706/mo
Today · 4.125%
HK$124,634
baseline
▲ 0.50% · 4.625%
HK$132,218
+HK$7,584/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$249,268/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,472
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$133,972
−HK$3,549/mo
Today · 4.125%
HK$137,521
baseline
▲ 0.50% · 4.625%
HK$144,770
+HK$7,249/mo
Deposit HK$2.86M · loan HK$25.72M · min. income ≈ HK$275,042/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,383 · Scale 2, in force from 26 Feb 2026)