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$64,794
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,810
−HK$2,047/mo
Today · 4.125%
HK$68,857
baseline
▲ 0.50% · 4.625%
HK$73,047
+HK$4,190/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,714/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,083
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,016
−HK$1,961/mo
Today · 4.125%
HK$75,977
baseline
▲ 0.50% · 4.625%
HK$79,982
+HK$4,005/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,954/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,753
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,171
−HK$2,458/mo
Today · 4.125%
HK$82,629
baseline
▲ 0.50% · 4.625%
HK$87,656
+HK$5,027/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,258/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,499
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,819
−HK$2,354/mo
Today · 4.125%
HK$91,173
baseline
▲ 0.50% · 4.625%
HK$95,978
+HK$4,805/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,346/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,712
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,533
−HK$2,867/mo
Today · 4.125%
HK$96,400
baseline
▲ 0.50% · 4.625%
HK$102,266
+HK$5,866/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$192,800/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,916
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,622
−HK$2,746/mo
Today · 4.125%
HK$106,368
baseline
▲ 0.50% · 4.625%
HK$111,975
+HK$5,607/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$212,736/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,629
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,257
−HK$3,686/mo
Today · 4.125%
HK$123,943
baseline
▲ 0.50% · 4.625%
HK$131,485
+HK$7,542/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$247,886/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,749
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,229
−HK$3,530/mo
Today · 4.125%
HK$136,759
baseline
▲ 0.50% · 4.625%
HK$143,968
+HK$7,209/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$273,518/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,649 · Scale 2, in force from 26 Feb 2026)