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$64,991
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,013
−HK$2,054/mo
Today · 4.125%
HK$69,067
baseline
▲ 0.50% · 4.625%
HK$73,269
+HK$4,202/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,134/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,302
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,241
−HK$1,967/mo
Today · 4.125%
HK$76,208
baseline
▲ 0.50% · 4.625%
HK$80,225
+HK$4,017/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,416/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,990
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,415
−HK$2,465/mo
Today · 4.125%
HK$82,880
baseline
▲ 0.50% · 4.625%
HK$87,923
+HK$5,043/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,760/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,763
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$89,089
−HK$2,361/mo
Today · 4.125%
HK$91,450
baseline
▲ 0.50% · 4.625%
HK$96,271
+HK$4,821/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,900/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,988
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,818
−HK$2,875/mo
Today · 4.125%
HK$96,693
baseline
▲ 0.50% · 4.625%
HK$102,577
+HK$5,884/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$193,386/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,223
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,938
−HK$2,754/mo
Today · 4.125%
HK$106,692
baseline
▲ 0.50% · 4.625%
HK$112,316
+HK$5,624/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$213,384/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,984
−HK$7,336/mo
▼ 0.25% · 3.875%
HK$120,623
−HK$3,697/mo
Today · 4.125%
HK$124,320
baseline
▲ 0.50% · 4.625%
HK$131,885
+HK$7,565/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$248,640/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,144
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$133,634
−HK$3,541/mo
Today · 4.125%
HK$137,175
baseline
▲ 0.50% · 4.625%
HK$144,406
+HK$7,231/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$274,350/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,324 · Scale 2, in force from 26 Feb 2026)