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$64,702
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,714
−HK$2,045/mo
Today · 4.125%
HK$68,759
baseline
▲ 0.50% · 4.625%
HK$72,943
+HK$4,184/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,518/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,980
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,911
−HK$1,958/mo
Today · 4.125%
HK$75,869
baseline
▲ 0.50% · 4.625%
HK$79,868
+HK$3,999/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,738/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,642
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,057
−HK$2,454/mo
Today · 4.125%
HK$82,511
baseline
▲ 0.50% · 4.625%
HK$87,532
+HK$5,021/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$165,022/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,376
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,693
−HK$2,350/mo
Today · 4.125%
HK$91,043
baseline
▲ 0.50% · 4.625%
HK$95,842
+HK$4,799/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$182,086/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,582
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,400
−HK$2,863/mo
Today · 4.125%
HK$96,263
baseline
▲ 0.50% · 4.625%
HK$102,120
+HK$5,857/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$192,526/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,772
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,475
−HK$2,741/mo
Today · 4.125%
HK$106,216
baseline
▲ 0.50% · 4.625%
HK$111,815
+HK$5,599/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$212,432/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,463
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,086
−HK$3,680/mo
Today · 4.125%
HK$123,766
baseline
▲ 0.50% · 4.625%
HK$131,297
+HK$7,531/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,532/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,564
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,039
−HK$3,525/mo
Today · 4.125%
HK$136,564
baseline
▲ 0.50% · 4.625%
HK$143,763
+HK$7,199/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,128/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,928 · Scale 2, in force from 26 Feb 2026)