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$64,625
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,635
−HK$2,042/mo
Today · 4.125%
HK$68,677
baseline
▲ 0.50% · 4.625%
HK$72,856
+HK$4,179/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,354/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,894
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,822
−HK$1,957/mo
Today · 4.125%
HK$75,779
baseline
▲ 0.50% · 4.625%
HK$79,773
+HK$3,994/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,558/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,550
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,962
−HK$2,451/mo
Today · 4.125%
HK$82,413
baseline
▲ 0.50% · 4.625%
HK$87,427
+HK$5,014/mo
Deposit HK$11.34M · loan HK$17.00M · min. income ≈ HK$164,826/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,273
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,587
−HK$2,347/mo
Today · 4.125%
HK$90,934
baseline
▲ 0.50% · 4.625%
HK$95,728
+HK$4,794/mo
Deposit HK$11.34M · loan HK$17.00M · min. income ≈ HK$181,868/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,475
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,289
−HK$2,859/mo
Today · 4.125%
HK$96,148
baseline
▲ 0.50% · 4.625%
HK$101,998
+HK$5,850/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$192,296/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,652
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,351
−HK$2,739/mo
Today · 4.125%
HK$106,090
baseline
▲ 0.50% · 4.625%
HK$111,682
+HK$5,592/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$212,180/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,324
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,943
−HK$3,676/mo
Today · 4.125%
HK$123,619
baseline
▲ 0.50% · 4.625%
HK$131,141
+HK$7,522/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$247,238/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,410
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$132,880
−HK$3,521/mo
Today · 4.125%
HK$136,401
baseline
▲ 0.50% · 4.625%
HK$143,591
+HK$7,190/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$272,802/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,492 · Scale 2, in force from 26 Feb 2026)