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$65,195
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$67,223
−HK$2,060/mo
Today · 4.125%
HK$69,283
baseline
▲ 0.50% · 4.625%
HK$73,499
+HK$4,216/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$138,566/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,528
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$74,474
−HK$1,973/mo
Today · 4.125%
HK$76,447
baseline
▲ 0.50% · 4.625%
HK$80,476
+HK$4,029/mo
Deposit HK$14.30M · loan HK$14.30M · min. income ≈ HK$152,894/mo (50% DSR)
Upfront cash ≈ HK$15.51M (deposit + AVD stamp duty HK$1,215,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,234
−HK$4,905/mo
▼ 0.25% · 3.875%
HK$80,667
−HK$2,472/mo
Today · 4.125%
HK$83,139
baseline
▲ 0.50% · 4.625%
HK$88,198
+HK$5,059/mo
Deposit HK$11.44M · loan HK$17.15M · min. income ≈ HK$166,278/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,034
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,368
−HK$2,368/mo
Today · 4.125%
HK$91,736
baseline
▲ 0.50% · 4.625%
HK$96,572
+HK$4,836/mo
Deposit HK$11.44M · loan HK$17.15M · min. income ≈ HK$183,472/mo (50% DSR)
Upfront cash ≈ HK$12.65M (deposit + AVD stamp duty HK$1,215,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,272
−HK$5,724/mo
▼ 0.25% · 3.875%
HK$94,112
−HK$2,884/mo
Today · 4.125%
HK$96,996
baseline
▲ 0.50% · 4.625%
HK$102,898
+HK$5,902/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$193,992/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,540
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$104,263
−HK$2,763/mo
Today · 4.125%
HK$107,026
baseline
▲ 0.50% · 4.625%
HK$112,667
+HK$5,641/mo
Deposit HK$8.58M · loan HK$20.01M · min. income ≈ HK$214,052/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$1,215,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,350
−HK$7,359/mo
▼ 0.25% · 3.875%
HK$121,001
−HK$3,708/mo
Today · 4.125%
HK$124,709
baseline
▲ 0.50% · 4.625%
HK$132,297
+HK$7,588/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$249,418/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,551
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$134,052
−HK$3,552/mo
Today · 4.125%
HK$137,604
baseline
▲ 0.50% · 4.625%
HK$144,858
+HK$7,254/mo
Deposit HK$2.86M · loan HK$25.73M · min. income ≈ HK$275,208/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,215,114 · Scale 2, in force from 26 Feb 2026)