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$64,575
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,583
−HK$2,041/mo
Today · 4.125%
HK$68,624
baseline
▲ 0.50% · 4.625%
HK$72,800
+HK$4,176/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,248/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,839
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,765
−HK$1,955/mo
Today · 4.125%
HK$75,720
baseline
▲ 0.50% · 4.625%
HK$79,711
+HK$3,991/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,440/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,490
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,900
−HK$2,449/mo
Today · 4.125%
HK$82,349
baseline
▲ 0.50% · 4.625%
HK$87,360
+HK$5,011/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$164,698/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,207
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,519
−HK$2,345/mo
Today · 4.125%
HK$90,864
baseline
▲ 0.50% · 4.625%
HK$95,654
+HK$4,790/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$181,728/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,405
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,217
−HK$2,857/mo
Today · 4.125%
HK$96,074
baseline
▲ 0.50% · 4.625%
HK$101,920
+HK$5,846/mo
Deposit HK$8.50M · loan HK$19.82M · min. income ≈ HK$192,148/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,574
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,272
−HK$2,736/mo
Today · 4.125%
HK$106,008
baseline
▲ 0.50% · 4.625%
HK$111,596
+HK$5,588/mo
Deposit HK$8.50M · loan HK$19.82M · min. income ≈ HK$212,016/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,235
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,850
−HK$3,674/mo
Today · 4.125%
HK$123,524
baseline
▲ 0.50% · 4.625%
HK$131,040
+HK$7,516/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$247,048/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,310
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,778
−HK$3,518/mo
Today · 4.125%
HK$136,296
baseline
▲ 0.50% · 4.625%
HK$143,480
+HK$7,184/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$272,592/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,562 · Scale 2, in force from 26 Feb 2026)