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$64,646
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,657
−HK$2,043/mo
Today · 4.125%
HK$68,700
baseline
▲ 0.50% · 4.625%
HK$72,880
+HK$4,180/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,400/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,918
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,847
−HK$1,957/mo
Today · 4.125%
HK$75,804
baseline
▲ 0.50% · 4.625%
HK$79,799
+HK$3,995/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,608/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,575
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,988
−HK$2,452/mo
Today · 4.125%
HK$82,440
baseline
▲ 0.50% · 4.625%
HK$87,456
+HK$5,016/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,880/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,204,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,302
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,616
−HK$2,348/mo
Today · 4.125%
HK$90,964
baseline
▲ 0.50% · 4.625%
HK$95,759
+HK$4,795/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,928/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,204,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,505
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,320
−HK$2,860/mo
Today · 4.125%
HK$96,180
baseline
▲ 0.50% · 4.625%
HK$102,032
+HK$5,852/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$192,360/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,685
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,386
−HK$2,739/mo
Today · 4.125%
HK$106,125
baseline
▲ 0.50% · 4.625%
HK$111,719
+HK$5,594/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$212,250/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,363
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$119,983
−HK$3,677/mo
Today · 4.125%
HK$123,660
baseline
▲ 0.50% · 4.625%
HK$131,184
+HK$7,524/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$247,320/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,453
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,924
−HK$3,523/mo
Today · 4.125%
HK$136,447
baseline
▲ 0.50% · 4.625%
HK$143,639
+HK$7,192/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$272,894/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,891 · Scale 2, in force from 26 Feb 2026)