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$64,563
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,572
−HK$2,040/mo
Today · 4.125%
HK$68,612
baseline
▲ 0.50% · 4.625%
HK$72,787
+HK$4,175/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,224/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,826
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,752
−HK$1,955/mo
Today · 4.125%
HK$75,707
baseline
▲ 0.50% · 4.625%
HK$79,697
+HK$3,990/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,414/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,476
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$79,886
−HK$2,448/mo
Today · 4.125%
HK$82,334
baseline
▲ 0.50% · 4.625%
HK$87,344
+HK$5,010/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$164,668/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,191
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$88,503
−HK$2,345/mo
Today · 4.125%
HK$90,848
baseline
▲ 0.50% · 4.625%
HK$95,637
+HK$4,789/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$181,696/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,389
−HK$5,668/mo
▼ 0.25% · 3.875%
HK$93,200
−HK$2,857/mo
Today · 4.125%
HK$96,057
baseline
▲ 0.50% · 4.625%
HK$101,902
+HK$5,845/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$192,114/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,557
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,253
−HK$2,736/mo
Today · 4.125%
HK$105,989
baseline
▲ 0.50% · 4.625%
HK$111,576
+HK$5,587/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$211,978/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,214
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$119,829
−HK$3,673/mo
Today · 4.125%
HK$123,502
baseline
▲ 0.50% · 4.625%
HK$131,017
+HK$7,515/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$247,004/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,287
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$132,754
−HK$3,518/mo
Today · 4.125%
HK$136,272
baseline
▲ 0.50% · 4.625%
HK$143,455
+HK$7,183/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$272,544/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,349 · Scale 2, in force from 26 Feb 2026)