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$64,831
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,848
−HK$2,049/mo
Today · 4.125%
HK$68,897
baseline
▲ 0.50% · 4.625%
HK$73,089
+HK$4,192/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,794/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,124
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,059
−HK$1,962/mo
Today · 4.125%
HK$76,021
baseline
▲ 0.50% · 4.625%
HK$80,028
+HK$4,007/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,042/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,798
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,218
−HK$2,458/mo
Today · 4.125%
HK$82,676
baseline
▲ 0.50% · 4.625%
HK$87,707
+HK$5,031/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$165,352/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,549
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,870
−HK$2,355/mo
Today · 4.125%
HK$91,225
baseline
▲ 0.50% · 4.625%
HK$96,034
+HK$4,809/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$182,450/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,764
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,587
−HK$2,869/mo
Today · 4.125%
HK$96,456
baseline
▲ 0.50% · 4.625%
HK$102,325
+HK$5,869/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$192,912/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,974
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,682
−HK$2,747/mo
Today · 4.125%
HK$106,429
baseline
▲ 0.50% · 4.625%
HK$112,039
+HK$5,610/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$212,858/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,696
−HK$7,318/mo
▼ 0.25% · 3.875%
HK$120,326
−HK$3,688/mo
Today · 4.125%
HK$124,014
baseline
▲ 0.50% · 4.625%
HK$131,560
+HK$7,546/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$248,028/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,824
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$133,305
−HK$3,533/mo
Today · 4.125%
HK$136,838
baseline
▲ 0.50% · 4.625%
HK$144,050
+HK$7,212/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$273,676/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,344 · Scale 2, in force from 26 Feb 2026)