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$64,750
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,764
−HK$2,046/mo
Today · 4.125%
HK$68,810
baseline
▲ 0.50% · 4.625%
HK$72,997
+HK$4,187/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,620/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,033
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,965
−HK$1,960/mo
Today · 4.125%
HK$75,925
baseline
▲ 0.50% · 4.625%
HK$79,927
+HK$4,002/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,850/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,700
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$80,117
−HK$2,455/mo
Today · 4.125%
HK$82,572
baseline
▲ 0.50% · 4.625%
HK$87,596
+HK$5,024/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$165,144/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,206,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,440
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,758
−HK$2,352/mo
Today · 4.125%
HK$91,110
baseline
▲ 0.50% · 4.625%
HK$95,913
+HK$4,803/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$182,220/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,206,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,650
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,469
−HK$2,865/mo
Today · 4.125%
HK$96,334
baseline
▲ 0.50% · 4.625%
HK$102,196
+HK$5,862/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$192,668/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,206,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,847
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,551
−HK$2,744/mo
Today · 4.125%
HK$106,295
baseline
▲ 0.50% · 4.625%
HK$111,898
+HK$5,603/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$212,590/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,206,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,550
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$120,175
−HK$3,683/mo
Today · 4.125%
HK$123,858
baseline
▲ 0.50% · 4.625%
HK$131,395
+HK$7,537/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$247,716/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,660
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,138
−HK$3,527/mo
Today · 4.125%
HK$136,665
baseline
▲ 0.50% · 4.625%
HK$143,869
+HK$7,204/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$273,330/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,822 · Scale 2, in force from 26 Feb 2026)