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$64,960
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,981
−HK$2,052/mo
Today · 4.125%
HK$69,033
baseline
▲ 0.50% · 4.625%
HK$73,234
+HK$4,201/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,066/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,267
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,205
−HK$1,967/mo
Today · 4.125%
HK$76,172
baseline
▲ 0.50% · 4.625%
HK$80,187
+HK$4,015/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,344/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,952
−HK$4,888/mo
▼ 0.25% · 3.875%
HK$80,377
−HK$2,463/mo
Today · 4.125%
HK$82,840
baseline
▲ 0.50% · 4.625%
HK$87,881
+HK$5,041/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$165,680/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,721
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,047
−HK$2,359/mo
Today · 4.125%
HK$91,406
baseline
▲ 0.50% · 4.625%
HK$96,224
+HK$4,818/mo
Deposit HK$11.40M · loan HK$17.09M · min. income ≈ HK$182,812/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,944
−HK$5,703/mo
▼ 0.25% · 3.875%
HK$93,773
−HK$2,874/mo
Today · 4.125%
HK$96,647
baseline
▲ 0.50% · 4.625%
HK$102,528
+HK$5,881/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,294/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,174
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$103,888
−HK$2,752/mo
Today · 4.125%
HK$106,640
baseline
▲ 0.50% · 4.625%
HK$112,261
+HK$5,621/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,280/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,928
−HK$7,332/mo
▼ 0.25% · 3.875%
HK$120,565
−HK$3,695/mo
Today · 4.125%
HK$124,260
baseline
▲ 0.50% · 4.625%
HK$131,821
+HK$7,561/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,520/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,081
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$133,570
−HK$3,539/mo
Today · 4.125%
HK$137,109
baseline
▲ 0.50% · 4.625%
HK$144,336
+HK$7,227/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,218/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,740 · Scale 2, in force from 26 Feb 2026)