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$64,791
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,806
−HK$2,048/mo
Today · 4.125%
HK$68,854
baseline
▲ 0.50% · 4.625%
HK$73,043
+HK$4,189/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,708/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,079
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,012
−HK$1,961/mo
Today · 4.125%
HK$75,973
baseline
▲ 0.50% · 4.625%
HK$79,978
+HK$4,005/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,946/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,749
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,167
−HK$2,457/mo
Today · 4.125%
HK$82,624
baseline
▲ 0.50% · 4.625%
HK$87,652
+HK$5,028/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,248/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,495
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,815
−HK$2,353/mo
Today · 4.125%
HK$91,168
baseline
▲ 0.50% · 4.625%
HK$95,973
+HK$4,805/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,336/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,707
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$93,528
−HK$2,867/mo
Today · 4.125%
HK$96,395
baseline
▲ 0.50% · 4.625%
HK$102,261
+HK$5,866/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$192,790/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,911
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,617
−HK$2,745/mo
Today · 4.125%
HK$106,362
baseline
▲ 0.50% · 4.625%
HK$111,969
+HK$5,607/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$212,724/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,623
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,251
−HK$3,686/mo
Today · 4.125%
HK$123,937
baseline
▲ 0.50% · 4.625%
HK$131,478
+HK$7,541/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$247,874/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,742
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,222
−HK$3,530/mo
Today · 4.125%
HK$136,752
baseline
▲ 0.50% · 4.625%
HK$143,960
+HK$7,208/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$273,504/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,586 · Scale 2, in force from 26 Feb 2026)