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$64,655
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,666
−HK$2,043/mo
Today · 4.125%
HK$68,709
baseline
▲ 0.50% · 4.625%
HK$72,890
+HK$4,181/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,418/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,928
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,857
−HK$1,957/mo
Today · 4.125%
HK$75,814
baseline
▲ 0.50% · 4.625%
HK$79,810
+HK$3,996/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,628/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,585
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$79,999
−HK$2,452/mo
Today · 4.125%
HK$82,451
baseline
▲ 0.50% · 4.625%
HK$87,468
+HK$5,017/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,902/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,313
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$88,628
−HK$2,348/mo
Today · 4.125%
HK$90,976
baseline
▲ 0.50% · 4.625%
HK$95,772
+HK$4,796/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,952/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,516
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,332
−HK$2,861/mo
Today · 4.125%
HK$96,193
baseline
▲ 0.50% · 4.625%
HK$102,046
+HK$5,853/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$192,386/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,699
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,399
−HK$2,740/mo
Today · 4.125%
HK$106,139
baseline
▲ 0.50% · 4.625%
HK$111,734
+HK$5,595/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$212,278/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,378
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$119,998
−HK$3,678/mo
Today · 4.125%
HK$123,676
baseline
▲ 0.50% · 4.625%
HK$131,202
+HK$7,526/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$247,352/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,470
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,942
−HK$3,522/mo
Today · 4.125%
HK$136,464
baseline
▲ 0.50% · 4.625%
HK$143,658
+HK$7,194/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$272,928/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,048 · Scale 2, in force from 26 Feb 2026)