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$64,895
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,914
−HK$2,051/mo
Today · 4.125%
HK$68,965
baseline
▲ 0.50% · 4.625%
HK$73,161
+HK$4,196/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,930/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,196
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,132
−HK$1,964/mo
Today · 4.125%
HK$76,096
baseline
▲ 0.50% · 4.625%
HK$80,107
+HK$4,011/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,192/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,875
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,297
−HK$2,461/mo
Today · 4.125%
HK$82,758
baseline
▲ 0.50% · 4.625%
HK$87,794
+HK$5,036/mo
Deposit HK$11.38M · loan HK$17.08M · min. income ≈ HK$165,516/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,635
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,958
−HK$2,357/mo
Today · 4.125%
HK$91,315
baseline
▲ 0.50% · 4.625%
HK$96,129
+HK$4,814/mo
Deposit HK$11.38M · loan HK$17.08M · min. income ≈ HK$182,630/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,854
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,680
−HK$2,871/mo
Today · 4.125%
HK$96,551
baseline
▲ 0.50% · 4.625%
HK$102,426
+HK$5,875/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,102/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,074
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,785
−HK$2,749/mo
Today · 4.125%
HK$106,534
baseline
▲ 0.50% · 4.625%
HK$112,150
+HK$5,616/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,068/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,812
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$120,445
−HK$3,692/mo
Today · 4.125%
HK$124,137
baseline
▲ 0.50% · 4.625%
HK$131,690
+HK$7,553/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$248,274/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,952
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$133,437
−HK$3,536/mo
Today · 4.125%
HK$136,973
baseline
▲ 0.50% · 4.625%
HK$144,193
+HK$7,220/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$273,946/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,539 · Scale 2, in force from 26 Feb 2026)