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$65,048
−HK$4,080/mo
▼ 0.25% · 3.875%
HK$67,072
−HK$2,056/mo
Today · 4.125%
HK$69,128
baseline
▲ 0.50% · 4.625%
HK$73,334
+HK$4,206/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$138,256/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,366
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$74,307
−HK$1,968/mo
Today · 4.125%
HK$76,275
baseline
▲ 0.50% · 4.625%
HK$80,296
+HK$4,021/mo
Deposit HK$14.26M · loan HK$14.26M · min. income ≈ HK$152,550/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,212,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,058
−HK$4,895/mo
▼ 0.25% · 3.875%
HK$80,486
−HK$2,467/mo
Today · 4.125%
HK$82,953
baseline
▲ 0.50% · 4.625%
HK$88,001
+HK$5,048/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$165,906/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,839
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$89,168
−HK$2,363/mo
Today · 4.125%
HK$91,531
baseline
▲ 0.50% · 4.625%
HK$96,355
+HK$4,824/mo
Deposit HK$11.41M · loan HK$17.12M · min. income ≈ HK$183,062/mo (50% DSR)
Upfront cash ≈ HK$12.62M (deposit + AVD stamp duty HK$1,212,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,068
−HK$5,711/mo
▼ 0.25% · 3.875%
HK$93,901
−HK$2,878/mo
Today · 4.125%
HK$96,779
baseline
▲ 0.50% · 4.625%
HK$102,667
+HK$5,888/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$193,558/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,312
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$104,029
−HK$2,757/mo
Today · 4.125%
HK$106,786
baseline
▲ 0.50% · 4.625%
HK$112,414
+HK$5,628/mo
Deposit HK$8.56M · loan HK$19.97M · min. income ≈ HK$213,572/mo (50% DSR)
Upfront cash ≈ HK$9.77M (deposit + AVD stamp duty HK$1,212,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,087
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$120,729
−HK$3,701/mo
Today · 4.125%
HK$124,430
baseline
▲ 0.50% · 4.625%
HK$132,001
+HK$7,571/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$248,860/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,258
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$133,752
−HK$3,544/mo
Today · 4.125%
HK$137,296
baseline
▲ 0.50% · 4.625%
HK$144,533
+HK$7,237/mo
Deposit HK$2.85M · loan HK$25.67M · min. income ≈ HK$274,592/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,212,390 · Scale 2, in force from 26 Feb 2026)