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$64,658
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,669
−HK$2,043/mo
Today · 4.125%
HK$68,712
baseline
▲ 0.50% · 4.625%
HK$72,893
+HK$4,181/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,424/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,931
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,860
−HK$1,957/mo
Today · 4.125%
HK$75,817
baseline
▲ 0.50% · 4.625%
HK$79,814
+HK$3,997/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,634/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,589
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,003
−HK$2,452/mo
Today · 4.125%
HK$82,455
baseline
▲ 0.50% · 4.625%
HK$87,472
+HK$5,017/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,910/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,317
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,632
−HK$2,349/mo
Today · 4.125%
HK$90,981
baseline
▲ 0.50% · 4.625%
HK$95,777
+HK$4,796/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,962/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,521
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,337
−HK$2,860/mo
Today · 4.125%
HK$96,197
baseline
▲ 0.50% · 4.625%
HK$102,051
+HK$5,854/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$192,394/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,704
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,404
−HK$2,740/mo
Today · 4.125%
HK$106,144
baseline
▲ 0.50% · 4.625%
HK$111,739
+HK$5,595/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$212,288/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,384
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$120,004
−HK$3,678/mo
Today · 4.125%
HK$123,682
baseline
▲ 0.50% · 4.625%
HK$131,208
+HK$7,526/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$247,364/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,476
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$132,949
−HK$3,522/mo
Today · 4.125%
HK$136,471
baseline
▲ 0.50% · 4.625%
HK$143,665
+HK$7,194/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$272,942/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,109 · Scale 2, in force from 26 Feb 2026)