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$64,733
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,747
−HK$2,045/mo
Today · 4.125%
HK$68,792
baseline
▲ 0.50% · 4.625%
HK$72,978
+HK$4,186/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,584/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,015
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,946
−HK$1,960/mo
Today · 4.125%
HK$75,906
baseline
▲ 0.50% · 4.625%
HK$79,907
+HK$4,001/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,812/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,680
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,096
−HK$2,455/mo
Today · 4.125%
HK$82,551
baseline
▲ 0.50% · 4.625%
HK$87,574
+HK$5,023/mo
Deposit HK$11.36M · loan HK$17.03M · min. income ≈ HK$165,102/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,418
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,736
−HK$2,351/mo
Today · 4.125%
HK$91,087
baseline
▲ 0.50% · 4.625%
HK$95,888
+HK$4,801/mo
Deposit HK$11.36M · loan HK$17.03M · min. income ≈ HK$182,174/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,626
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$93,445
−HK$2,864/mo
Today · 4.125%
HK$96,309
baseline
▲ 0.50% · 4.625%
HK$102,170
+HK$5,861/mo
Deposit HK$8.52M · loan HK$19.87M · min. income ≈ HK$192,618/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,821
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$103,525
−HK$2,743/mo
Today · 4.125%
HK$106,268
baseline
▲ 0.50% · 4.625%
HK$111,869
+HK$5,601/mo
Deposit HK$8.52M · loan HK$19.87M · min. income ≈ HK$212,536/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,519
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,144
−HK$3,682/mo
Today · 4.125%
HK$123,826
baseline
▲ 0.50% · 4.625%
HK$131,361
+HK$7,535/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$247,652/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,627
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$133,103
−HK$3,527/mo
Today · 4.125%
HK$136,630
baseline
▲ 0.50% · 4.625%
HK$143,832
+HK$7,202/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$273,260/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,511 · Scale 2, in force from 26 Feb 2026)