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$64,605
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,615
−HK$2,041/mo
Today · 4.125%
HK$68,656
baseline
▲ 0.50% · 4.625%
HK$72,834
+HK$4,178/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,312/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,872
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,800
−HK$1,955/mo
Today · 4.125%
HK$75,755
baseline
▲ 0.50% · 4.625%
HK$79,749
+HK$3,994/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,510/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,526
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,937
−HK$2,450/mo
Today · 4.125%
HK$82,387
baseline
▲ 0.50% · 4.625%
HK$87,401
+HK$5,014/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,774/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,247
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,560
−HK$2,346/mo
Today · 4.125%
HK$90,906
baseline
▲ 0.50% · 4.625%
HK$95,698
+HK$4,792/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,812/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,447
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,260
−HK$2,859/mo
Today · 4.125%
HK$96,119
baseline
▲ 0.50% · 4.625%
HK$101,967
+HK$5,848/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,238/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,621
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,320
−HK$2,738/mo
Today · 4.125%
HK$106,058
baseline
▲ 0.50% · 4.625%
HK$111,648
+HK$5,590/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,116/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,289
−HK$7,292/mo
▼ 0.25% · 3.875%
HK$119,906
−HK$3,675/mo
Today · 4.125%
HK$123,581
baseline
▲ 0.50% · 4.625%
HK$131,101
+HK$7,520/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$247,162/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,370
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,840
−HK$3,520/mo
Today · 4.125%
HK$136,360
baseline
▲ 0.50% · 4.625%
HK$143,547
+HK$7,187/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$272,720/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,124 · Scale 2, in force from 26 Feb 2026)