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$64,998
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,020
−HK$2,054/mo
Today · 4.125%
HK$69,074
baseline
▲ 0.50% · 4.625%
HK$73,277
+HK$4,203/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,148/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,310
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,249
−HK$1,967/mo
Today · 4.125%
HK$76,216
baseline
▲ 0.50% · 4.625%
HK$80,234
+HK$4,018/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,432/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,998
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,424
−HK$2,465/mo
Today · 4.125%
HK$82,889
baseline
▲ 0.50% · 4.625%
HK$87,933
+HK$5,044/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,778/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,772
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$89,099
−HK$2,361/mo
Today · 4.125%
HK$91,460
baseline
▲ 0.50% · 4.625%
HK$96,281
+HK$4,821/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,920/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,997
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,828
−HK$2,876/mo
Today · 4.125%
HK$96,704
baseline
▲ 0.50% · 4.625%
HK$102,588
+HK$5,884/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$193,408/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,234
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,949
−HK$2,754/mo
Today · 4.125%
HK$106,703
baseline
▲ 0.50% · 4.625%
HK$112,328
+HK$5,625/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$213,406/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,997
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,636
−HK$3,697/mo
Today · 4.125%
HK$124,333
baseline
▲ 0.50% · 4.625%
HK$131,899
+HK$7,566/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$248,666/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,158
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,648
−HK$3,542/mo
Today · 4.125%
HK$137,190
baseline
▲ 0.50% · 4.625%
HK$144,421
+HK$7,231/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$274,380/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,453 · Scale 2, in force from 26 Feb 2026)