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$64,599
−HK$4,051/mo
▼ 0.25% · 3.875%
HK$66,609
−HK$2,041/mo
Today · 4.125%
HK$68,650
baseline
▲ 0.50% · 4.625%
HK$72,827
+HK$4,177/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,300/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,866
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,793
−HK$1,956/mo
Today · 4.125%
HK$75,749
baseline
▲ 0.50% · 4.625%
HK$79,742
+HK$3,993/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,498/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,519
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$79,930
−HK$2,450/mo
Today · 4.125%
HK$82,380
baseline
▲ 0.50% · 4.625%
HK$87,393
+HK$5,013/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,760/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,239
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$88,552
−HK$2,346/mo
Today · 4.125%
HK$90,898
baseline
▲ 0.50% · 4.625%
HK$95,690
+HK$4,792/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,796/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,439
−HK$5,671/mo
▼ 0.25% · 3.875%
HK$93,252
−HK$2,858/mo
Today · 4.125%
HK$96,110
baseline
▲ 0.50% · 4.625%
HK$101,958
+HK$5,848/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,220/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,612
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,311
−HK$2,737/mo
Today · 4.125%
HK$106,048
baseline
▲ 0.50% · 4.625%
HK$111,638
+HK$5,590/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,096/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,279
−HK$7,291/mo
▼ 0.25% · 3.875%
HK$119,896
−HK$3,674/mo
Today · 4.125%
HK$123,570
baseline
▲ 0.50% · 4.625%
HK$131,089
+HK$7,519/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$247,140/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,359
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$132,828
−HK$3,520/mo
Today · 4.125%
HK$136,348
baseline
▲ 0.50% · 4.625%
HK$143,535
+HK$7,187/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$272,696/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,018 · Scale 2, in force from 26 Feb 2026)