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$65,189
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,217
−HK$2,060/mo
Today · 4.125%
HK$69,277
baseline
▲ 0.50% · 4.625%
HK$73,492
+HK$4,215/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,554/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,522
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$74,467
−HK$1,973/mo
Today · 4.125%
HK$76,440
baseline
▲ 0.50% · 4.625%
HK$80,470
+HK$4,030/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,880/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,227
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,660
−HK$2,472/mo
Today · 4.125%
HK$83,132
baseline
▲ 0.50% · 4.625%
HK$88,191
+HK$5,059/mo
Deposit HK$11.44M · loan HK$17.15M · min. income ≈ HK$166,264/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,027
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$89,361
−HK$2,367/mo
Today · 4.125%
HK$91,728
baseline
▲ 0.50% · 4.625%
HK$96,564
+HK$4,836/mo
Deposit HK$11.44M · loan HK$17.15M · min. income ≈ HK$183,456/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,265
−HK$5,723/mo
▼ 0.25% · 3.875%
HK$94,104
−HK$2,884/mo
Today · 4.125%
HK$96,988
baseline
▲ 0.50% · 4.625%
HK$102,889
+HK$5,901/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$193,976/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,531
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,254
−HK$2,763/mo
Today · 4.125%
HK$107,017
baseline
▲ 0.50% · 4.625%
HK$112,657
+HK$5,640/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$214,034/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,340
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$120,990
−HK$3,709/mo
Today · 4.125%
HK$124,699
baseline
▲ 0.50% · 4.625%
HK$132,286
+HK$7,587/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$249,398/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,540
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$134,041
−HK$3,552/mo
Today · 4.125%
HK$137,593
baseline
▲ 0.50% · 4.625%
HK$144,845
+HK$7,252/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$275,186/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,011 · Scale 2, in force from 26 Feb 2026)