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$64,925
−HK$4,072/mo
▼ 0.25% · 3.875%
HK$66,945
−HK$2,052/mo
Today · 4.125%
HK$68,997
baseline
▲ 0.50% · 4.625%
HK$73,195
+HK$4,198/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$137,994/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,229
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,166
−HK$1,965/mo
Today · 4.125%
HK$76,131
baseline
▲ 0.50% · 4.625%
HK$80,144
+HK$4,013/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,262/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,210,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,910
−HK$4,886/mo
▼ 0.25% · 3.875%
HK$80,334
−HK$2,462/mo
Today · 4.125%
HK$82,796
baseline
▲ 0.50% · 4.625%
HK$87,834
+HK$5,038/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$165,592/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,674
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$88,999
−HK$2,358/mo
Today · 4.125%
HK$91,357
baseline
▲ 0.50% · 4.625%
HK$96,173
+HK$4,816/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$182,714/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,210,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,895
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,723
−HK$2,872/mo
Today · 4.125%
HK$96,595
baseline
▲ 0.50% · 4.625%
HK$102,473
+HK$5,878/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,190/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,120
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$103,832
−HK$2,751/mo
Today · 4.125%
HK$106,583
baseline
▲ 0.50% · 4.625%
HK$112,201
+HK$5,618/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,166/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,210,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,865
−HK$7,329/mo
▼ 0.25% · 3.875%
HK$120,501
−HK$3,693/mo
Today · 4.125%
HK$124,194
baseline
▲ 0.50% · 4.625%
HK$131,751
+HK$7,557/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$248,388/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$130,012
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,498
−HK$3,538/mo
Today · 4.125%
HK$137,036
baseline
▲ 0.50% · 4.625%
HK$144,259
+HK$7,223/mo
Deposit HK$2.85M · loan HK$25.63M · min. income ≈ HK$274,072/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,210,093 · Scale 2, in force from 26 Feb 2026)