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$65,085
−HK$4,082/mo
▼ 0.25% · 3.875%
HK$67,110
−HK$2,057/mo
Today · 4.125%
HK$69,167
baseline
▲ 0.50% · 4.625%
HK$73,375
+HK$4,208/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$138,334/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,213,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,407
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$74,349
−HK$1,970/mo
Today · 4.125%
HK$76,319
baseline
▲ 0.50% · 4.625%
HK$80,342
+HK$4,023/mo
Deposit HK$14.27M · loan HK$14.27M · min. income ≈ HK$152,638/mo (50% DSR)
Upfront cash ≈ HK$15.48M (deposit + AVD stamp duty HK$1,213,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,102
−HK$4,898/mo
▼ 0.25% · 3.875%
HK$80,532
−HK$2,468/mo
Today · 4.125%
HK$83,000
baseline
▲ 0.50% · 4.625%
HK$88,050
+HK$5,050/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$166,000/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,888
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$89,218
−HK$2,364/mo
Today · 4.125%
HK$91,582
baseline
▲ 0.50% · 4.625%
HK$96,410
+HK$4,828/mo
Deposit HK$11.42M · loan HK$17.13M · min. income ≈ HK$183,164/mo (50% DSR)
Upfront cash ≈ HK$12.63M (deposit + AVD stamp duty HK$1,213,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,119
−HK$5,714/mo
▼ 0.25% · 3.875%
HK$93,954
−HK$2,879/mo
Today · 4.125%
HK$96,833
baseline
▲ 0.50% · 4.625%
HK$102,726
+HK$5,893/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$193,666/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,369
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$104,088
−HK$2,758/mo
Today · 4.125%
HK$106,846
baseline
▲ 0.50% · 4.625%
HK$112,478
+HK$5,632/mo
Deposit HK$8.56M · loan HK$19.98M · min. income ≈ HK$213,692/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$1,213,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$117,154
−HK$7,346/mo
▼ 0.25% · 3.875%
HK$120,798
−HK$3,702/mo
Today · 4.125%
HK$124,500
baseline
▲ 0.50% · 4.625%
HK$132,076
+HK$7,576/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$249,000/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,332
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$133,828
−HK$3,546/mo
Today · 4.125%
HK$137,374
baseline
▲ 0.50% · 4.625%
HK$144,615
+HK$7,241/mo
Deposit HK$2.85M · loan HK$25.69M · min. income ≈ HK$274,748/mo (50% DSR)
Upfront cash ≈ HK$4.07M (deposit + AVD stamp duty HK$1,213,078 · Scale 2, in force from 26 Feb 2026)