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$65,121
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,147
−HK$2,058/mo
Today · 4.125%
HK$69,205
baseline
▲ 0.50% · 4.625%
HK$73,416
+HK$4,211/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$138,410/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,447
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$74,390
−HK$1,971/mo
Today · 4.125%
HK$76,361
baseline
▲ 0.50% · 4.625%
HK$80,386
+HK$4,025/mo
Deposit HK$14.28M · loan HK$14.28M · min. income ≈ HK$152,722/mo (50% DSR)
Upfront cash ≈ HK$15.49M (deposit + AVD stamp duty HK$1,213,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,146
−HK$4,900/mo
▼ 0.25% · 3.875%
HK$80,577
−HK$2,469/mo
Today · 4.125%
HK$83,046
baseline
▲ 0.50% · 4.625%
HK$88,099
+HK$5,053/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$166,092/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,936
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$89,268
−HK$2,365/mo
Today · 4.125%
HK$91,633
baseline
▲ 0.50% · 4.625%
HK$96,463
+HK$4,830/mo
Deposit HK$11.42M · loan HK$17.14M · min. income ≈ HK$183,266/mo (50% DSR)
Upfront cash ≈ HK$12.64M (deposit + AVD stamp duty HK$1,213,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,170
−HK$5,717/mo
▼ 0.25% · 3.875%
HK$94,006
−HK$2,881/mo
Today · 4.125%
HK$96,887
baseline
▲ 0.50% · 4.625%
HK$102,783
+HK$5,896/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$193,774/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,426
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$104,146
−HK$2,760/mo
Today · 4.125%
HK$106,906
baseline
▲ 0.50% · 4.625%
HK$112,541
+HK$5,635/mo
Deposit HK$8.57M · loan HK$19.99M · min. income ≈ HK$213,812/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,219
−HK$7,350/mo
▼ 0.25% · 3.875%
HK$120,865
−HK$3,704/mo
Today · 4.125%
HK$124,569
baseline
▲ 0.50% · 4.625%
HK$132,149
+HK$7,580/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$249,138/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,405
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$133,902
−HK$3,548/mo
Today · 4.125%
HK$137,450
baseline
▲ 0.50% · 4.625%
HK$144,695
+HK$7,245/mo
Deposit HK$2.86M · loan HK$25.70M · min. income ≈ HK$274,900/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,751 · Scale 2, in force from 26 Feb 2026)