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$64,893
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,912
−HK$2,051/mo
Today · 4.125%
HK$68,963
baseline
▲ 0.50% · 4.625%
HK$73,159
+HK$4,196/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,926/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,193
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,129
−HK$1,965/mo
Today · 4.125%
HK$76,094
baseline
▲ 0.50% · 4.625%
HK$80,105
+HK$4,011/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,188/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,872
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,294
−HK$2,461/mo
Today · 4.125%
HK$82,755
baseline
▲ 0.50% · 4.625%
HK$87,791
+HK$5,036/mo
Deposit HK$11.38M · loan HK$17.08M · min. income ≈ HK$165,510/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,632
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,955
−HK$2,357/mo
Today · 4.125%
HK$91,312
baseline
▲ 0.50% · 4.625%
HK$96,126
+HK$4,814/mo
Deposit HK$11.38M · loan HK$17.08M · min. income ≈ HK$182,624/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,851
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,677
−HK$2,871/mo
Today · 4.125%
HK$96,548
baseline
▲ 0.50% · 4.625%
HK$102,423
+HK$5,875/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,096/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,071
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,781
−HK$2,750/mo
Today · 4.125%
HK$106,531
baseline
▲ 0.50% · 4.625%
HK$112,147
+HK$5,616/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,062/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,808
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$120,442
−HK$3,691/mo
Today · 4.125%
HK$124,133
baseline
▲ 0.50% · 4.625%
HK$131,686
+HK$7,553/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$248,266/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,948
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$133,433
−HK$3,536/mo
Today · 4.125%
HK$136,969
baseline
▲ 0.50% · 4.625%
HK$144,188
+HK$7,219/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$273,938/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,501 · Scale 2, in force from 26 Feb 2026)