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$64,594
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,604
−HK$2,041/mo
Today · 4.125%
HK$68,645
baseline
▲ 0.50% · 4.625%
HK$72,822
+HK$4,177/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,290/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,203,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,861
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$73,788
−HK$1,955/mo
Today · 4.125%
HK$75,743
baseline
▲ 0.50% · 4.625%
HK$79,736
+HK$3,993/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,486/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,203,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,513
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,924
−HK$2,450/mo
Today · 4.125%
HK$82,374
baseline
▲ 0.50% · 4.625%
HK$87,386
+HK$5,012/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,748/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,203,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,233
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,545
−HK$2,347/mo
Today · 4.125%
HK$90,892
baseline
▲ 0.50% · 4.625%
HK$95,683
+HK$4,791/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,784/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,203,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,432
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,245
−HK$2,858/mo
Today · 4.125%
HK$96,103
baseline
▲ 0.50% · 4.625%
HK$101,951
+HK$5,848/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,206/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,605
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,303
−HK$2,737/mo
Today · 4.125%
HK$106,040
baseline
▲ 0.50% · 4.625%
HK$111,630
+HK$5,590/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,080/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,270
−HK$7,291/mo
▼ 0.25% · 3.875%
HK$119,887
−HK$3,674/mo
Today · 4.125%
HK$123,561
baseline
▲ 0.50% · 4.625%
HK$131,080
+HK$7,519/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$247,122/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,349
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$132,818
−HK$3,519/mo
Today · 4.125%
HK$136,337
baseline
▲ 0.50% · 4.625%
HK$143,524
+HK$7,187/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$272,674/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,928 · Scale 2, in force from 26 Feb 2026)