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$64,969
−HK$4,074/mo
▼ 0.25% · 3.875%
HK$66,990
−HK$2,053/mo
Today · 4.125%
HK$69,043
baseline
▲ 0.50% · 4.625%
HK$73,244
+HK$4,201/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,086/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,277
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$74,215
−HK$1,967/mo
Today · 4.125%
HK$76,182
baseline
▲ 0.50% · 4.625%
HK$80,198
+HK$4,016/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,364/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,962
−HK$4,889/mo
▼ 0.25% · 3.875%
HK$80,387
−HK$2,464/mo
Today · 4.125%
HK$82,851
baseline
▲ 0.50% · 4.625%
HK$87,893
+HK$5,042/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,702/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,732
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,059
−HK$2,359/mo
Today · 4.125%
HK$91,418
baseline
▲ 0.50% · 4.625%
HK$96,237
+HK$4,819/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,836/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,956
−HK$5,704/mo
▼ 0.25% · 3.875%
HK$93,785
−HK$2,875/mo
Today · 4.125%
HK$96,660
baseline
▲ 0.50% · 4.625%
HK$102,541
+HK$5,881/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,320/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,188
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$103,902
−HK$2,753/mo
Today · 4.125%
HK$106,655
baseline
▲ 0.50% · 4.625%
HK$112,277
+HK$5,622/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,310/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,944
−HK$7,333/mo
▼ 0.25% · 3.875%
HK$120,581
−HK$3,696/mo
Today · 4.125%
HK$124,277
baseline
▲ 0.50% · 4.625%
HK$131,839
+HK$7,562/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,554/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,099
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$133,588
−HK$3,539/mo
Today · 4.125%
HK$137,127
baseline
▲ 0.50% · 4.625%
HK$144,356
+HK$7,229/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,254/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,903 · Scale 2, in force from 26 Feb 2026)