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$64,610
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,619
−HK$2,042/mo
Today · 4.125%
HK$68,661
baseline
▲ 0.50% · 4.625%
HK$72,839
+HK$4,178/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,322/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,878
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,805
−HK$1,956/mo
Today · 4.125%
HK$75,761
baseline
▲ 0.50% · 4.625%
HK$79,754
+HK$3,993/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,522/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,532
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,943
−HK$2,450/mo
Today · 4.125%
HK$82,393
baseline
▲ 0.50% · 4.625%
HK$87,407
+HK$5,014/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,786/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,253
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,566
−HK$2,347/mo
Today · 4.125%
HK$90,913
baseline
▲ 0.50% · 4.625%
HK$95,705
+HK$4,792/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,826/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,453
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,267
−HK$2,859/mo
Today · 4.125%
HK$96,126
baseline
▲ 0.50% · 4.625%
HK$101,975
+HK$5,849/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,252/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,629
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,327
−HK$2,738/mo
Today · 4.125%
HK$106,065
baseline
▲ 0.50% · 4.625%
HK$111,656
+HK$5,591/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,130/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,297
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$119,915
−HK$3,675/mo
Today · 4.125%
HK$123,590
baseline
▲ 0.50% · 4.625%
HK$131,110
+HK$7,520/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$247,180/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,380
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,850
−HK$3,520/mo
Today · 4.125%
HK$136,370
baseline
▲ 0.50% · 4.625%
HK$143,558
+HK$7,188/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$272,740/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,211 · Scale 2, in force from 26 Feb 2026)