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$64,862
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,880
−HK$2,050/mo
Today · 4.125%
HK$68,930
baseline
▲ 0.50% · 4.625%
HK$73,124
+HK$4,194/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,860/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,159
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,094
−HK$1,963/mo
Today · 4.125%
HK$76,057
baseline
▲ 0.50% · 4.625%
HK$80,066
+HK$4,009/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,114/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,835
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,256
−HK$2,460/mo
Today · 4.125%
HK$82,716
baseline
▲ 0.50% · 4.625%
HK$87,749
+HK$5,033/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,432/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,208,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,590
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,913
−HK$2,356/mo
Today · 4.125%
HK$91,269
baseline
▲ 0.50% · 4.625%
HK$96,079
+HK$4,810/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,538/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,208,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,807
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,632
−HK$2,870/mo
Today · 4.125%
HK$96,502
baseline
▲ 0.50% · 4.625%
HK$102,373
+HK$5,871/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$193,004/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,022
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,731
−HK$2,749/mo
Today · 4.125%
HK$106,480
baseline
▲ 0.50% · 4.625%
HK$112,093
+HK$5,613/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$212,960/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,752
−HK$7,321/mo
▼ 0.25% · 3.875%
HK$120,384
−HK$3,689/mo
Today · 4.125%
HK$124,073
baseline
▲ 0.50% · 4.625%
HK$131,623
+HK$7,550/mo
Deposit HK$2.84M · loan HK$25.60M · min. income ≈ HK$248,146/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,885
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,369
−HK$3,534/mo
Today · 4.125%
HK$136,903
baseline
▲ 0.50% · 4.625%
HK$144,119
+HK$7,216/mo
Deposit HK$2.84M · loan HK$25.60M · min. income ≈ HK$273,806/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,920 · Scale 2, in force from 26 Feb 2026)