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$64,933
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,953
−HK$2,052/mo
Today · 4.125%
HK$69,005
baseline
▲ 0.50% · 4.625%
HK$73,204
+HK$4,199/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,010/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,237
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$74,175
−HK$1,965/mo
Today · 4.125%
HK$76,140
baseline
▲ 0.50% · 4.625%
HK$80,153
+HK$4,013/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,280/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,919
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,343
−HK$2,463/mo
Today · 4.125%
HK$82,806
baseline
▲ 0.50% · 4.625%
HK$87,844
+HK$5,038/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,612/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,685
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$89,009
−HK$2,359/mo
Today · 4.125%
HK$91,368
baseline
▲ 0.50% · 4.625%
HK$96,184
+HK$4,816/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,736/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,906
−HK$5,701/mo
▼ 0.25% · 3.875%
HK$93,734
−HK$2,873/mo
Today · 4.125%
HK$96,607
baseline
▲ 0.50% · 4.625%
HK$102,485
+HK$5,878/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,214/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,132
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$103,844
−HK$2,752/mo
Today · 4.125%
HK$106,596
baseline
▲ 0.50% · 4.625%
HK$112,215
+HK$5,619/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,192/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,879
−HK$7,330/mo
▼ 0.25% · 3.875%
HK$120,515
−HK$3,694/mo
Today · 4.125%
HK$124,209
baseline
▲ 0.50% · 4.625%
HK$131,766
+HK$7,557/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$248,418/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,027
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$133,514
−HK$3,538/mo
Today · 4.125%
HK$137,052
baseline
▲ 0.50% · 4.625%
HK$144,276
+HK$7,224/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$274,104/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,236 · Scale 2, in force from 26 Feb 2026)