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$64,871
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,889
−HK$2,050/mo
Today · 4.125%
HK$68,939
baseline
▲ 0.50% · 4.625%
HK$73,134
+HK$4,195/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,878/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,209,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,169
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,104
−HK$1,964/mo
Today · 4.125%
HK$76,068
baseline
▲ 0.50% · 4.625%
HK$80,077
+HK$4,009/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,136/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,209,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,845
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,267
−HK$2,460/mo
Today · 4.125%
HK$82,727
baseline
▲ 0.50% · 4.625%
HK$87,761
+HK$5,034/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,454/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,602
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,925
−HK$2,356/mo
Today · 4.125%
HK$91,281
baseline
▲ 0.50% · 4.625%
HK$96,093
+HK$4,812/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,562/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,820
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,645
−HK$2,870/mo
Today · 4.125%
HK$96,515
baseline
▲ 0.50% · 4.625%
HK$102,388
+HK$5,873/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$193,030/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,209,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,036
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,746
−HK$2,749/mo
Today · 4.125%
HK$106,495
baseline
▲ 0.50% · 4.625%
HK$112,108
+HK$5,613/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$212,990/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,209,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,768
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,400
−HK$3,691/mo
Today · 4.125%
HK$124,091
baseline
▲ 0.50% · 4.625%
HK$131,641
+HK$7,550/mo
Deposit HK$2.84M · loan HK$25.60M · min. income ≈ HK$248,182/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,903
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,387
−HK$3,535/mo
Today · 4.125%
HK$136,922
baseline
▲ 0.50% · 4.625%
HK$144,139
+HK$7,217/mo
Deposit HK$2.84M · loan HK$25.60M · min. income ≈ HK$273,844/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,087 · Scale 2, in force from 26 Feb 2026)