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$65,003
−HK$4,076/mo
▼ 0.25% · 3.875%
HK$67,025
−HK$2,054/mo
Today · 4.125%
HK$69,079
baseline
▲ 0.50% · 4.625%
HK$73,283
+HK$4,204/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$138,158/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,315
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$74,255
−HK$1,967/mo
Today · 4.125%
HK$76,222
baseline
▲ 0.50% · 4.625%
HK$80,240
+HK$4,018/mo
Deposit HK$14.25M · loan HK$14.25M · min. income ≈ HK$152,444/mo (50% DSR)
Upfront cash ≈ HK$15.47M (deposit + AVD stamp duty HK$1,211,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,004
−HK$4,891/mo
▼ 0.25% · 3.875%
HK$80,430
−HK$2,465/mo
Today · 4.125%
HK$82,895
baseline
▲ 0.50% · 4.625%
HK$87,939
+HK$5,044/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$165,790/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,778
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$89,106
−HK$2,361/mo
Today · 4.125%
HK$91,467
baseline
▲ 0.50% · 4.625%
HK$96,288
+HK$4,821/mo
Deposit HK$11.40M · loan HK$17.10M · min. income ≈ HK$182,934/mo (50% DSR)
Upfront cash ≈ HK$12.61M (deposit + AVD stamp duty HK$1,211,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,004
−HK$5,707/mo
▼ 0.25% · 3.875%
HK$93,835
−HK$2,876/mo
Today · 4.125%
HK$96,711
baseline
▲ 0.50% · 4.625%
HK$102,596
+HK$5,885/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$193,422/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,242
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$103,957
−HK$2,754/mo
Today · 4.125%
HK$106,711
baseline
▲ 0.50% · 4.625%
HK$112,336
+HK$5,625/mo
Deposit HK$8.55M · loan HK$19.95M · min. income ≈ HK$213,422/mo (50% DSR)
Upfront cash ≈ HK$9.76M (deposit + AVD stamp duty HK$1,211,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,006
−HK$7,337/mo
▼ 0.25% · 3.875%
HK$120,645
−HK$3,698/mo
Today · 4.125%
HK$124,343
baseline
▲ 0.50% · 4.625%
HK$131,909
+HK$7,566/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$248,686/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,168
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$133,659
−HK$3,541/mo
Today · 4.125%
HK$137,200
baseline
▲ 0.50% · 4.625%
HK$144,432
+HK$7,232/mo
Deposit HK$2.85M · loan HK$25.66M · min. income ≈ HK$274,400/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,211,546 · Scale 2, in force from 26 Feb 2026)