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$64,647
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,658
−HK$2,043/mo
Today · 4.125%
HK$68,701
baseline
▲ 0.50% · 4.625%
HK$72,881
+HK$4,180/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,402/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,919
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,848
−HK$1,957/mo
Today · 4.125%
HK$75,805
baseline
▲ 0.50% · 4.625%
HK$79,800
+HK$3,995/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,610/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,576
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,989
−HK$2,452/mo
Today · 4.125%
HK$82,441
baseline
▲ 0.50% · 4.625%
HK$87,457
+HK$5,016/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,882/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,303
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,618
−HK$2,348/mo
Today · 4.125%
HK$90,966
baseline
▲ 0.50% · 4.625%
HK$95,761
+HK$4,795/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,932/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,506
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,321
−HK$2,860/mo
Today · 4.125%
HK$96,181
baseline
▲ 0.50% · 4.625%
HK$102,034
+HK$5,853/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$192,362/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,687
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,387
−HK$2,740/mo
Today · 4.125%
HK$106,127
baseline
▲ 0.50% · 4.625%
HK$111,721
+HK$5,594/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$212,254/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,365
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$119,984
−HK$3,678/mo
Today · 4.125%
HK$123,662
baseline
▲ 0.50% · 4.625%
HK$131,186
+HK$7,524/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$247,324/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,454
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,926
−HK$3,522/mo
Today · 4.125%
HK$136,448
baseline
▲ 0.50% · 4.625%
HK$143,641
+HK$7,193/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$272,896/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,908 · Scale 2, in force from 26 Feb 2026)