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$64,978
−HK$4,075/mo
▼ 0.25% · 3.875%
HK$66,999
−HK$2,054/mo
Today · 4.125%
HK$69,053
baseline
▲ 0.50% · 4.625%
HK$73,254
+HK$4,201/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,106/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,287
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$74,226
−HK$1,967/mo
Today · 4.125%
HK$76,193
baseline
▲ 0.50% · 4.625%
HK$80,209
+HK$4,016/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,386/mo (50% DSR)
Upfront cash ≈ HK$15.46M (deposit + AVD stamp duty HK$1,211,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,973
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,399
−HK$2,464/mo
Today · 4.125%
HK$82,863
baseline
▲ 0.50% · 4.625%
HK$87,905
+HK$5,042/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,726/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,745
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,071
−HK$2,360/mo
Today · 4.125%
HK$91,431
baseline
▲ 0.50% · 4.625%
HK$96,251
+HK$4,820/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,862/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,969
−HK$5,705/mo
▼ 0.25% · 3.875%
HK$93,799
−HK$2,875/mo
Today · 4.125%
HK$96,674
baseline
▲ 0.50% · 4.625%
HK$102,556
+HK$5,882/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$193,348/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,202
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$103,916
−HK$2,754/mo
Today · 4.125%
HK$106,670
baseline
▲ 0.50% · 4.625%
HK$112,293
+HK$5,623/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$213,340/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,960
−HK$7,335/mo
▼ 0.25% · 3.875%
HK$120,598
−HK$3,697/mo
Today · 4.125%
HK$124,295
baseline
▲ 0.50% · 4.625%
HK$131,858
+HK$7,563/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$248,590/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,117
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$133,607
−HK$3,540/mo
Today · 4.125%
HK$137,147
baseline
▲ 0.50% · 4.625%
HK$144,376
+HK$7,229/mo
Deposit HK$2.85M · loan HK$25.65M · min. income ≈ HK$274,294/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,075 · Scale 2, in force from 26 Feb 2026)