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$65,082
−HK$4,081/mo
▼ 0.25% · 3.875%
HK$67,106
−HK$2,057/mo
Today · 4.125%
HK$69,163
baseline
▲ 0.50% · 4.625%
HK$73,371
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,326/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,213,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,403
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$74,345
−HK$1,969/mo
Today · 4.125%
HK$76,314
baseline
▲ 0.50% · 4.625%
HK$80,337
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,628/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,213,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,098
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,527
−HK$2,468/mo
Today · 4.125%
HK$82,995
baseline
▲ 0.50% · 4.625%
HK$88,046
+HK$5,051/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$165,990/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,883
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,213
−HK$2,364/mo
Today · 4.125%
HK$91,577
baseline
▲ 0.50% · 4.625%
HK$96,404
+HK$4,827/mo
Deposit HK$11.42M · loan HK$17.12M · min. income ≈ HK$183,154/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,114
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,949
−HK$2,879/mo
Today · 4.125%
HK$96,828
baseline
▲ 0.50% · 4.625%
HK$102,720
+HK$5,892/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,656/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,364
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$104,082
−HK$2,758/mo
Today · 4.125%
HK$106,840
baseline
▲ 0.50% · 4.625%
HK$112,472
+HK$5,632/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,680/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,147
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$120,791
−HK$3,702/mo
Today · 4.125%
HK$124,493
baseline
▲ 0.50% · 4.625%
HK$132,068
+HK$7,575/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$248,986/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,325
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,820
−HK$3,546/mo
Today · 4.125%
HK$137,366
baseline
▲ 0.50% · 4.625%
HK$144,607
+HK$7,241/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$274,732/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,010 · Scale 2, in force from 26 Feb 2026)