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$64,877
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,895
−HK$2,051/mo
Today · 4.125%
HK$68,946
baseline
▲ 0.50% · 4.625%
HK$73,141
+HK$4,195/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,892/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,175
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,111
−HK$1,964/mo
Today · 4.125%
HK$76,075
baseline
▲ 0.50% · 4.625%
HK$80,085
+HK$4,010/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,150/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,853
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,274
−HK$2,461/mo
Today · 4.125%
HK$82,735
baseline
▲ 0.50% · 4.625%
HK$87,769
+HK$5,034/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,470/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,610
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,933
−HK$2,357/mo
Today · 4.125%
HK$91,290
baseline
▲ 0.50% · 4.625%
HK$96,102
+HK$4,812/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,580/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,828
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,653
−HK$2,871/mo
Today · 4.125%
HK$96,524
baseline
▲ 0.50% · 4.625%
HK$102,397
+HK$5,873/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,048/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,209,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,045
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,755
−HK$2,750/mo
Today · 4.125%
HK$106,505
baseline
▲ 0.50% · 4.625%
HK$112,119
+HK$5,614/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,010/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,209,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,779
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,411
−HK$3,691/mo
Today · 4.125%
HK$124,102
baseline
▲ 0.50% · 4.625%
HK$131,653
+HK$7,551/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$248,204/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,915
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,400
−HK$3,534/mo
Today · 4.125%
HK$136,934
baseline
▲ 0.50% · 4.625%
HK$144,152
+HK$7,218/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$273,868/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,199 · Scale 2, in force from 26 Feb 2026)