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$64,830
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,846
−HK$2,049/mo
Today · 4.125%
HK$68,895
baseline
▲ 0.50% · 4.625%
HK$73,087
+HK$4,192/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,790/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,123
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,057
−HK$1,962/mo
Today · 4.125%
HK$76,019
baseline
▲ 0.50% · 4.625%
HK$80,026
+HK$4,007/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,038/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,796
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,216
−HK$2,458/mo
Today · 4.125%
HK$82,674
baseline
▲ 0.50% · 4.625%
HK$87,705
+HK$5,031/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$165,348/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,547
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,868
−HK$2,355/mo
Today · 4.125%
HK$91,223
baseline
▲ 0.50% · 4.625%
HK$96,031
+HK$4,808/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$182,446/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,762
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,585
−HK$2,868/mo
Today · 4.125%
HK$96,453
baseline
▲ 0.50% · 4.625%
HK$102,322
+HK$5,869/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$192,906/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,972
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,680
−HK$2,747/mo
Today · 4.125%
HK$106,427
baseline
▲ 0.50% · 4.625%
HK$112,037
+HK$5,610/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$212,854/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,694
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$120,324
−HK$3,688/mo
Today · 4.125%
HK$124,012
baseline
▲ 0.50% · 4.625%
HK$131,557
+HK$7,545/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$248,024/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,821
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$133,302
−HK$3,532/mo
Today · 4.125%
HK$136,834
baseline
▲ 0.50% · 4.625%
HK$144,047
+HK$7,213/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$273,668/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,316 · Scale 2, in force from 26 Feb 2026)