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$64,574
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,583
−HK$2,040/mo
Today · 4.125%
HK$68,623
baseline
▲ 0.50% · 4.625%
HK$72,799
+HK$4,176/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,246/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,838
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,765
−HK$1,954/mo
Today · 4.125%
HK$75,719
baseline
▲ 0.50% · 4.625%
HK$79,710
+HK$3,991/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,438/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,489
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,899
−HK$2,449/mo
Today · 4.125%
HK$82,348
baseline
▲ 0.50% · 4.625%
HK$87,359
+HK$5,011/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$164,696/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,205
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,517
−HK$2,346/mo
Today · 4.125%
HK$90,863
baseline
▲ 0.50% · 4.625%
HK$95,652
+HK$4,789/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$181,726/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,404
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,216
−HK$2,857/mo
Today · 4.125%
HK$96,073
baseline
▲ 0.50% · 4.625%
HK$101,918
+HK$5,845/mo
Deposit HK$8.50M · loan HK$19.82M · min. income ≈ HK$192,146/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,573
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,270
−HK$2,737/mo
Today · 4.125%
HK$106,007
baseline
▲ 0.50% · 4.625%
HK$111,594
+HK$5,587/mo
Deposit HK$8.50M · loan HK$19.82M · min. income ≈ HK$212,014/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,233
−HK$7,289/mo
▼ 0.25% · 3.875%
HK$119,849
−HK$3,673/mo
Today · 4.125%
HK$123,522
baseline
▲ 0.50% · 4.625%
HK$131,038
+HK$7,516/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$247,044/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,308
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,776
−HK$3,518/mo
Today · 4.125%
HK$136,294
baseline
▲ 0.50% · 4.625%
HK$143,479
+HK$7,185/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$272,588/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,546 · Scale 2, in force from 26 Feb 2026)