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$64,950
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,970
−HK$2,053/mo
Today · 4.125%
HK$69,023
baseline
▲ 0.50% · 4.625%
HK$73,223
+HK$4,200/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$138,046/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,256
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$74,194
−HK$1,966/mo
Today · 4.125%
HK$76,160
baseline
▲ 0.50% · 4.625%
HK$80,174
+HK$4,014/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,320/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,940
−HK$4,887/mo
▼ 0.25% · 3.875%
HK$80,364
−HK$2,463/mo
Today · 4.125%
HK$82,827
baseline
▲ 0.50% · 4.625%
HK$87,867
+HK$5,040/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$165,654/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,707
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$89,033
−HK$2,359/mo
Today · 4.125%
HK$91,392
baseline
▲ 0.50% · 4.625%
HK$96,209
+HK$4,817/mo
Deposit HK$11.39M · loan HK$17.09M · min. income ≈ HK$182,784/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,930
−HK$5,702/mo
▼ 0.25% · 3.875%
HK$93,758
−HK$2,874/mo
Today · 4.125%
HK$96,632
baseline
▲ 0.50% · 4.625%
HK$102,512
+HK$5,880/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$193,264/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,159
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$103,872
−HK$2,752/mo
Today · 4.125%
HK$106,624
baseline
▲ 0.50% · 4.625%
HK$112,244
+HK$5,620/mo
Deposit HK$8.55M · loan HK$19.94M · min. income ≈ HK$213,248/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,210,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,910
−HK$7,331/mo
▼ 0.25% · 3.875%
HK$120,546
−HK$3,695/mo
Today · 4.125%
HK$124,241
baseline
▲ 0.50% · 4.625%
HK$131,801
+HK$7,560/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$248,482/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,061
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$133,549
−HK$3,539/mo
Today · 4.125%
HK$137,088
baseline
▲ 0.50% · 4.625%
HK$144,314
+HK$7,226/mo
Deposit HK$2.85M · loan HK$25.64M · min. income ≈ HK$274,176/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,553 · Scale 2, in force from 26 Feb 2026)