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$64,627
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,638
−HK$2,042/mo
Today · 4.125%
HK$68,680
baseline
▲ 0.50% · 4.625%
HK$72,859
+HK$4,179/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,360/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,897
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,826
−HK$1,956/mo
Today · 4.125%
HK$75,782
baseline
▲ 0.50% · 4.625%
HK$79,776
+HK$3,994/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,564/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,553
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,965
−HK$2,451/mo
Today · 4.125%
HK$82,416
baseline
▲ 0.50% · 4.625%
HK$87,431
+HK$5,015/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,832/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,277
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$88,591
−HK$2,347/mo
Today · 4.125%
HK$90,938
baseline
▲ 0.50% · 4.625%
HK$95,732
+HK$4,794/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,876/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,478
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,293
−HK$2,859/mo
Today · 4.125%
HK$96,152
baseline
▲ 0.50% · 4.625%
HK$102,003
+HK$5,851/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$192,304/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,656
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,356
−HK$2,738/mo
Today · 4.125%
HK$106,094
baseline
▲ 0.50% · 4.625%
HK$111,687
+HK$5,593/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$212,188/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,329
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,948
−HK$3,676/mo
Today · 4.125%
HK$123,624
baseline
▲ 0.50% · 4.625%
HK$131,147
+HK$7,523/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$247,248/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,415
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$132,886
−HK$3,521/mo
Today · 4.125%
HK$136,407
baseline
▲ 0.50% · 4.625%
HK$143,597
+HK$7,190/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$272,814/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,543 · Scale 2, in force from 26 Feb 2026)