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$64,600
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,609
−HK$2,042/mo
Today · 4.125%
HK$68,651
baseline
▲ 0.50% · 4.625%
HK$72,828
+HK$4,177/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,302/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,867
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,794
−HK$1,955/mo
Today · 4.125%
HK$75,749
baseline
▲ 0.50% · 4.625%
HK$79,742
+HK$3,993/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,498/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,520
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,931
−HK$2,450/mo
Today · 4.125%
HK$82,381
baseline
▲ 0.50% · 4.625%
HK$87,394
+HK$5,013/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,762/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,240
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,553
−HK$2,346/mo
Today · 4.125%
HK$90,899
baseline
▲ 0.50% · 4.625%
HK$95,691
+HK$4,792/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,798/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,440
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,253
−HK$2,858/mo
Today · 4.125%
HK$96,111
baseline
▲ 0.50% · 4.625%
HK$101,959
+HK$5,848/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,222/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,613
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,312
−HK$2,737/mo
Today · 4.125%
HK$106,049
baseline
▲ 0.50% · 4.625%
HK$111,639
+HK$5,590/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,098/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,280
−HK$7,291/mo
▼ 0.25% · 3.875%
HK$119,897
−HK$3,674/mo
Today · 4.125%
HK$123,571
baseline
▲ 0.50% · 4.625%
HK$131,090
+HK$7,519/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$247,142/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,360
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$132,829
−HK$3,520/mo
Today · 4.125%
HK$136,349
baseline
▲ 0.50% · 4.625%
HK$143,536
+HK$7,187/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$272,698/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,027 · Scale 2, in force from 26 Feb 2026)