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$65,126
−HK$4,083/mo
▼ 0.25% · 3.875%
HK$67,151
−HK$2,058/mo
Today · 4.125%
HK$69,209
baseline
▲ 0.50% · 4.625%
HK$73,421
+HK$4,212/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,418/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,452
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,395
−HK$1,971/mo
Today · 4.125%
HK$76,366
baseline
▲ 0.50% · 4.625%
HK$80,391
+HK$4,025/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,732/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,151
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,582
−HK$2,469/mo
Today · 4.125%
HK$83,051
baseline
▲ 0.50% · 4.625%
HK$88,105
+HK$5,054/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$166,102/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,942
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,274
−HK$2,365/mo
Today · 4.125%
HK$91,639
baseline
▲ 0.50% · 4.625%
HK$96,469
+HK$4,830/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$183,278/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,176
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,012
−HK$2,881/mo
Today · 4.125%
HK$96,893
baseline
▲ 0.50% · 4.625%
HK$102,789
+HK$5,896/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,786/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,432
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,152
−HK$2,760/mo
Today · 4.125%
HK$106,912
baseline
▲ 0.50% · 4.625%
HK$112,548
+HK$5,636/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,824/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,226
−HK$7,351/mo
▼ 0.25% · 3.875%
HK$120,872
−HK$3,705/mo
Today · 4.125%
HK$124,577
baseline
▲ 0.50% · 4.625%
HK$132,157
+HK$7,580/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,154/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,413
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$133,910
−HK$3,549/mo
Today · 4.125%
HK$137,459
baseline
▲ 0.50% · 4.625%
HK$144,704
+HK$7,245/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$274,918/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,827 · Scale 2, in force from 26 Feb 2026)