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$65,030
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$67,052
−HK$2,056/mo
Today · 4.125%
HK$69,108
baseline
▲ 0.50% · 4.625%
HK$73,313
+HK$4,205/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,216/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,345
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$74,285
−HK$1,968/mo
Today · 4.125%
HK$76,253
baseline
▲ 0.50% · 4.625%
HK$80,273
+HK$4,020/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,506/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,212,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,036
−HK$4,893/mo
▼ 0.25% · 3.875%
HK$80,463
−HK$2,466/mo
Today · 4.125%
HK$82,929
baseline
▲ 0.50% · 4.625%
HK$87,975
+HK$5,046/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$165,858/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,814
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$89,142
−HK$2,362/mo
Today · 4.125%
HK$91,504
baseline
▲ 0.50% · 4.625%
HK$96,327
+HK$4,823/mo
Deposit HK$11.41M · loan HK$17.11M · min. income ≈ HK$183,008/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,041
−HK$5,710/mo
▼ 0.25% · 3.875%
HK$93,873
−HK$2,878/mo
Today · 4.125%
HK$96,751
baseline
▲ 0.50% · 4.625%
HK$102,638
+HK$5,887/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$193,502/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,283
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$103,999
−HK$2,756/mo
Today · 4.125%
HK$106,755
baseline
▲ 0.50% · 4.625%
HK$112,382
+HK$5,627/mo
Deposit HK$8.56M · loan HK$19.96M · min. income ≈ HK$213,510/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,053
−HK$7,341/mo
▼ 0.25% · 3.875%
HK$120,694
−HK$3,700/mo
Today · 4.125%
HK$124,394
baseline
▲ 0.50% · 4.625%
HK$131,963
+HK$7,569/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,788/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,221
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$133,713
−HK$3,543/mo
Today · 4.125%
HK$137,256
baseline
▲ 0.50% · 4.625%
HK$144,491
+HK$7,235/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,512/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,212,039 · Scale 2, in force from 26 Feb 2026)