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$64,912
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,931
−HK$2,051/mo
Today · 4.125%
HK$68,982
baseline
▲ 0.50% · 4.625%
HK$73,179
+HK$4,197/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,964/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,213
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,150
−HK$1,965/mo
Today · 4.125%
HK$76,115
baseline
▲ 0.50% · 4.625%
HK$80,127
+HK$4,012/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,230/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,894
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,317
−HK$2,462/mo
Today · 4.125%
HK$82,779
baseline
▲ 0.50% · 4.625%
HK$87,815
+HK$5,036/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$165,558/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,209,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,656
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,980
−HK$2,358/mo
Today · 4.125%
HK$91,338
baseline
▲ 0.50% · 4.625%
HK$96,152
+HK$4,814/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$182,676/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,209,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,876
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,703
−HK$2,872/mo
Today · 4.125%
HK$96,575
baseline
▲ 0.50% · 4.625%
HK$102,451
+HK$5,876/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,150/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,099
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,810
−HK$2,751/mo
Today · 4.125%
HK$106,561
baseline
▲ 0.50% · 4.625%
HK$112,178
+HK$5,617/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,122/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,841
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,475
−HK$3,693/mo
Today · 4.125%
HK$124,168
baseline
▲ 0.50% · 4.625%
HK$131,723
+HK$7,555/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$248,336/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,984
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,470
−HK$3,537/mo
Today · 4.125%
HK$137,007
baseline
▲ 0.50% · 4.625%
HK$144,229
+HK$7,222/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$274,014/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,839 · Scale 2, in force from 26 Feb 2026)