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$65,114
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,140
−HK$2,058/mo
Today · 4.125%
HK$69,198
baseline
▲ 0.50% · 4.625%
HK$73,408
+HK$4,210/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,396/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,439
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,382
−HK$1,971/mo
Today · 4.125%
HK$76,353
baseline
▲ 0.50% · 4.625%
HK$80,377
+HK$4,024/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,706/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,137
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,568
−HK$2,469/mo
Today · 4.125%
HK$83,037
baseline
▲ 0.50% · 4.625%
HK$88,090
+HK$5,053/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,074/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,927
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$89,258
−HK$2,365/mo
Today · 4.125%
HK$91,623
baseline
▲ 0.50% · 4.625%
HK$96,453
+HK$4,830/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,246/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,160
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$93,996
−HK$2,881/mo
Today · 4.125%
HK$96,877
baseline
▲ 0.50% · 4.625%
HK$102,772
+HK$5,895/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,754/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,415
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$104,135
−HK$2,759/mo
Today · 4.125%
HK$106,894
baseline
▲ 0.50% · 4.625%
HK$112,528
+HK$5,634/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,788/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,206
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,852
−HK$3,704/mo
Today · 4.125%
HK$124,556
baseline
▲ 0.50% · 4.625%
HK$132,135
+HK$7,579/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,112/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,391
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$133,888
−HK$3,547/mo
Today · 4.125%
HK$137,435
baseline
▲ 0.50% · 4.625%
HK$144,679
+HK$7,244/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$274,870/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,620 · Scale 2, in force from 26 Feb 2026)