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$64,687
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,699
−HK$2,045/mo
Today · 4.125%
HK$68,744
baseline
▲ 0.50% · 4.625%
HK$72,927
+HK$4,183/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,488/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,964
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,894
−HK$1,958/mo
Today · 4.125%
HK$75,852
baseline
▲ 0.50% · 4.625%
HK$79,850
+HK$3,998/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,704/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,625
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,039
−HK$2,454/mo
Today · 4.125%
HK$82,493
baseline
▲ 0.50% · 4.625%
HK$87,512
+HK$5,019/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$164,986/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,357
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,673
−HK$2,349/mo
Today · 4.125%
HK$91,022
baseline
▲ 0.50% · 4.625%
HK$95,820
+HK$4,798/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$182,044/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,562
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,379
−HK$2,862/mo
Today · 4.125%
HK$96,241
baseline
▲ 0.50% · 4.625%
HK$102,097
+HK$5,856/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$192,482/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,750
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,452
−HK$2,741/mo
Today · 4.125%
HK$106,193
baseline
▲ 0.50% · 4.625%
HK$111,790
+HK$5,597/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$212,386/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,437
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$120,059
−HK$3,680/mo
Today · 4.125%
HK$123,739
baseline
▲ 0.50% · 4.625%
HK$131,268
+HK$7,529/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$247,478/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,535
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,009
−HK$3,525/mo
Today · 4.125%
HK$136,534
baseline
▲ 0.50% · 4.625%
HK$143,730
+HK$7,196/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$273,068/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,660 · Scale 2, in force from 26 Feb 2026)