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$64,699
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,712
−HK$2,044/mo
Today · 4.125%
HK$68,756
baseline
▲ 0.50% · 4.625%
HK$72,940
+HK$4,184/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,512/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,977
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,908
−HK$1,958/mo
Today · 4.125%
HK$75,866
baseline
▲ 0.50% · 4.625%
HK$79,865
+HK$3,999/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,732/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,639
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$80,054
−HK$2,454/mo
Today · 4.125%
HK$82,508
baseline
▲ 0.50% · 4.625%
HK$87,528
+HK$5,020/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$165,016/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,205,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,373
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,689
−HK$2,350/mo
Today · 4.125%
HK$91,039
baseline
▲ 0.50% · 4.625%
HK$95,838
+HK$4,799/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$182,078/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,205,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,579
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,396
−HK$2,863/mo
Today · 4.125%
HK$96,259
baseline
▲ 0.50% · 4.625%
HK$102,116
+HK$5,857/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$192,518/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,768
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,471
−HK$2,741/mo
Today · 4.125%
HK$106,212
baseline
▲ 0.50% · 4.625%
HK$111,811
+HK$5,599/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$212,424/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,459
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$120,081
−HK$3,681/mo
Today · 4.125%
HK$123,762
baseline
▲ 0.50% · 4.625%
HK$131,292
+HK$7,530/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,524/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,559
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$133,034
−HK$3,525/mo
Today · 4.125%
HK$136,559
baseline
▲ 0.50% · 4.625%
HK$143,757
+HK$7,198/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,118/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,882 · Scale 2, in force from 26 Feb 2026)