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$65,087
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,112
−HK$2,057/mo
Today · 4.125%
HK$69,169
baseline
▲ 0.50% · 4.625%
HK$73,377
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,338/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,213,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,409
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,351
−HK$1,970/mo
Today · 4.125%
HK$76,321
baseline
▲ 0.50% · 4.625%
HK$80,344
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,642/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,213,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,105
−HK$4,897/mo
▼ 0.25% · 3.875%
HK$80,534
−HK$2,468/mo
Today · 4.125%
HK$83,002
baseline
▲ 0.50% · 4.625%
HK$88,053
+HK$5,051/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,004/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,890
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$89,221
−HK$2,364/mo
Today · 4.125%
HK$91,585
baseline
▲ 0.50% · 4.625%
HK$96,412
+HK$4,827/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,170/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,122
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,956
−HK$2,880/mo
Today · 4.125%
HK$96,836
baseline
▲ 0.50% · 4.625%
HK$102,728
+HK$5,892/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,672/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,372
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,091
−HK$2,758/mo
Today · 4.125%
HK$106,849
baseline
▲ 0.50% · 4.625%
HK$112,481
+HK$5,632/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,698/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,157
−HK$7,347/mo
▼ 0.25% · 3.875%
HK$120,801
−HK$3,703/mo
Today · 4.125%
HK$124,504
baseline
▲ 0.50% · 4.625%
HK$132,079
+HK$7,575/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$249,008/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,336
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$133,831
−HK$3,546/mo
Today · 4.125%
HK$137,377
baseline
▲ 0.50% · 4.625%
HK$144,619
+HK$7,242/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$274,754/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,110 · Scale 2, in force from 26 Feb 2026)