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$65,066
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,089
−HK$2,057/mo
Today · 4.125%
HK$69,146
baseline
▲ 0.50% · 4.625%
HK$73,353
+HK$4,207/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,292/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,385
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$74,326
−HK$1,969/mo
Today · 4.125%
HK$76,295
baseline
▲ 0.50% · 4.625%
HK$80,317
+HK$4,022/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,590/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,079
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$80,507
−HK$2,468/mo
Today · 4.125%
HK$82,975
baseline
▲ 0.50% · 4.625%
HK$88,024
+HK$5,049/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,950/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,862
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$89,191
−HK$2,364/mo
Today · 4.125%
HK$91,555
baseline
▲ 0.50% · 4.625%
HK$96,381
+HK$4,826/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,110/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,212,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,092
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$93,925
−HK$2,879/mo
Today · 4.125%
HK$96,804
baseline
▲ 0.50% · 4.625%
HK$102,694
+HK$5,890/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,608/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,339
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$104,057
−HK$2,757/mo
Today · 4.125%
HK$106,814
baseline
▲ 0.50% · 4.625%
HK$112,444
+HK$5,630/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,628/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,118
−HK$7,344/mo
▼ 0.25% · 3.875%
HK$120,761
−HK$3,701/mo
Today · 4.125%
HK$124,462
baseline
▲ 0.50% · 4.625%
HK$132,036
+HK$7,574/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$248,924/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,293
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$133,787
−HK$3,545/mo
Today · 4.125%
HK$137,332
baseline
▲ 0.50% · 4.625%
HK$144,571
+HK$7,239/mo
Deposit HK$2.85M · loan HK$25.68M · min. income ≈ HK$274,664/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,708 · Scale 2, in force from 26 Feb 2026)