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$64,802
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,817
−HK$2,048/mo
Today · 4.125%
HK$68,865
baseline
▲ 0.50% · 4.625%
HK$73,055
+HK$4,190/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,730/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,091
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,024
−HK$1,962/mo
Today · 4.125%
HK$75,986
baseline
▲ 0.50% · 4.625%
HK$79,991
+HK$4,005/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,972/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,762
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,181
−HK$2,457/mo
Today · 4.125%
HK$82,638
baseline
▲ 0.50% · 4.625%
HK$87,667
+HK$5,029/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,276/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,207,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,509
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,829
−HK$2,354/mo
Today · 4.125%
HK$91,183
baseline
▲ 0.50% · 4.625%
HK$95,989
+HK$4,806/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,366/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,207,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,722
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,544
−HK$2,867/mo
Today · 4.125%
HK$96,411
baseline
▲ 0.50% · 4.625%
HK$102,278
+HK$5,867/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$192,822/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,927
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,634
−HK$2,746/mo
Today · 4.125%
HK$106,380
baseline
▲ 0.50% · 4.625%
HK$111,988
+HK$5,608/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$212,760/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,643
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,271
−HK$3,686/mo
Today · 4.125%
HK$123,957
baseline
▲ 0.50% · 4.625%
HK$131,500
+HK$7,543/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$247,914/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,764
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,244
−HK$3,531/mo
Today · 4.125%
HK$136,775
baseline
▲ 0.50% · 4.625%
HK$143,984
+HK$7,209/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$273,550/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,788 · Scale 2, in force from 26 Feb 2026)