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$64,730
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,744
−HK$2,046/mo
Today · 4.125%
HK$68,790
baseline
▲ 0.50% · 4.625%
HK$72,975
+HK$4,185/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,580/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,012
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,943
−HK$1,960/mo
Today · 4.125%
HK$75,903
baseline
▲ 0.50% · 4.625%
HK$79,904
+HK$4,001/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,806/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,677
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,093
−HK$2,455/mo
Today · 4.125%
HK$82,548
baseline
▲ 0.50% · 4.625%
HK$87,570
+HK$5,022/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$165,096/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,414
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,732
−HK$2,351/mo
Today · 4.125%
HK$91,083
baseline
▲ 0.50% · 4.625%
HK$95,884
+HK$4,801/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$182,166/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,623
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,442
−HK$2,864/mo
Today · 4.125%
HK$96,306
baseline
▲ 0.50% · 4.625%
HK$102,165
+HK$5,859/mo
Deposit HK$8.52M · loan HK$19.87M · min. income ≈ HK$192,612/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,817
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,521
−HK$2,743/mo
Today · 4.125%
HK$106,264
baseline
▲ 0.50% · 4.625%
HK$111,865
+HK$5,601/mo
Deposit HK$8.52M · loan HK$19.87M · min. income ≈ HK$212,528/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,515
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$120,139
−HK$3,682/mo
Today · 4.125%
HK$123,821
baseline
▲ 0.50% · 4.625%
HK$131,356
+HK$7,535/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$247,642/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,622
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,098
−HK$3,527/mo
Today · 4.125%
HK$136,625
baseline
▲ 0.50% · 4.625%
HK$143,826
+HK$7,201/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$273,250/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,464 · Scale 2, in force from 26 Feb 2026)