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$65,013
−HK$4,077/mo
▼ 0.25% · 3.875%
HK$67,036
−HK$2,054/mo
Today · 4.125%
HK$69,090
baseline
▲ 0.50% · 4.625%
HK$73,294
+HK$4,204/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,180/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,327
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,267
−HK$1,967/mo
Today · 4.125%
HK$76,234
baseline
▲ 0.50% · 4.625%
HK$80,253
+HK$4,019/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,468/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,016
−HK$4,892/mo
▼ 0.25% · 3.875%
HK$80,443
−HK$2,465/mo
Today · 4.125%
HK$82,908
baseline
▲ 0.50% · 4.625%
HK$87,953
+HK$5,045/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$165,816/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,792
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,120
−HK$2,361/mo
Today · 4.125%
HK$91,481
baseline
▲ 0.50% · 4.625%
HK$96,303
+HK$4,822/mo
Deposit HK$11.40M · loan HK$17.11M · min. income ≈ HK$182,962/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,211,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,019
−HK$5,708/mo
▼ 0.25% · 3.875%
HK$93,850
−HK$2,877/mo
Today · 4.125%
HK$96,727
baseline
▲ 0.50% · 4.625%
HK$102,612
+HK$5,885/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$193,454/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,258
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$103,973
−HK$2,755/mo
Today · 4.125%
HK$106,728
baseline
▲ 0.50% · 4.625%
HK$112,354
+HK$5,626/mo
Deposit HK$8.55M · loan HK$19.96M · min. income ≈ HK$213,456/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,211,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,024
−HK$7,339/mo
▼ 0.25% · 3.875%
HK$120,664
−HK$3,699/mo
Today · 4.125%
HK$124,363
baseline
▲ 0.50% · 4.625%
HK$131,930
+HK$7,567/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,726/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,188
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$133,680
−HK$3,542/mo
Today · 4.125%
HK$137,222
baseline
▲ 0.50% · 4.625%
HK$144,455
+HK$7,233/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,444/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,738 · Scale 2, in force from 26 Feb 2026)