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$65,151
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$67,177
−HK$2,059/mo
Today · 4.125%
HK$69,236
baseline
▲ 0.50% · 4.625%
HK$73,449
+HK$4,213/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$138,472/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,479
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$74,423
−HK$1,972/mo
Today · 4.125%
HK$76,395
baseline
▲ 0.50% · 4.625%
HK$80,422
+HK$4,027/mo
Deposit HK$14.29M · loan HK$14.29M · min. income ≈ HK$152,790/mo (50% DSR)
Upfront cash ≈ HK$15.50M (deposit + AVD stamp duty HK$1,214,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,181
−HK$4,902/mo
▼ 0.25% · 3.875%
HK$80,613
−HK$2,470/mo
Today · 4.125%
HK$83,083
baseline
▲ 0.50% · 4.625%
HK$88,139
+HK$5,056/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$166,166/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,975
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$89,308
−HK$2,366/mo
Today · 4.125%
HK$91,674
baseline
▲ 0.50% · 4.625%
HK$96,506
+HK$4,832/mo
Deposit HK$11.43M · loan HK$17.14M · min. income ≈ HK$183,348/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,214,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,211
−HK$5,719/mo
▼ 0.25% · 3.875%
HK$94,048
−HK$2,882/mo
Today · 4.125%
HK$96,930
baseline
▲ 0.50% · 4.625%
HK$102,828
+HK$5,898/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$193,860/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,471
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,192
−HK$2,761/mo
Today · 4.125%
HK$106,953
baseline
▲ 0.50% · 4.625%
HK$112,591
+HK$5,638/mo
Deposit HK$8.57M · loan HK$20.00M · min. income ≈ HK$213,906/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,214,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,271
−HK$7,354/mo
▼ 0.25% · 3.875%
HK$120,919
−HK$3,706/mo
Today · 4.125%
HK$124,625
baseline
▲ 0.50% · 4.625%
HK$132,208
+HK$7,583/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$249,250/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,463
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$133,962
−HK$3,549/mo
Today · 4.125%
HK$137,511
baseline
▲ 0.50% · 4.625%
HK$144,760
+HK$7,249/mo
Deposit HK$2.86M · loan HK$25.71M · min. income ≈ HK$275,022/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,214,293 · Scale 2, in force from 26 Feb 2026)