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$64,787
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,803
−HK$2,047/mo
Today · 4.125%
HK$68,850
baseline
▲ 0.50% · 4.625%
HK$73,039
+HK$4,189/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,700/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,075
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,008
−HK$1,961/mo
Today · 4.125%
HK$75,969
baseline
▲ 0.50% · 4.625%
HK$79,974
+HK$4,005/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,938/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,745
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,163
−HK$2,457/mo
Today · 4.125%
HK$82,620
baseline
▲ 0.50% · 4.625%
HK$87,647
+HK$5,027/mo
Deposit HK$11.36M · loan HK$17.05M · min. income ≈ HK$165,240/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,490
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,810
−HK$2,353/mo
Today · 4.125%
HK$91,163
baseline
▲ 0.50% · 4.625%
HK$95,968
+HK$4,805/mo
Deposit HK$11.36M · loan HK$17.05M · min. income ≈ HK$182,326/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,702
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,524
−HK$2,866/mo
Today · 4.125%
HK$96,390
baseline
▲ 0.50% · 4.625%
HK$102,255
+HK$5,865/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$192,780/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,905
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,611
−HK$2,746/mo
Today · 4.125%
HK$106,357
baseline
▲ 0.50% · 4.625%
HK$111,963
+HK$5,606/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$212,714/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,617
−HK$7,313/mo
▼ 0.25% · 3.875%
HK$120,245
−HK$3,685/mo
Today · 4.125%
HK$123,930
baseline
▲ 0.50% · 4.625%
HK$131,471
+HK$7,541/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$247,860/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,735
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,215
−HK$3,530/mo
Today · 4.125%
HK$136,745
baseline
▲ 0.50% · 4.625%
HK$143,953
+HK$7,208/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$273,490/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,522 · Scale 2, in force from 26 Feb 2026)