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$64,914
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,933
−HK$2,052/mo
Today · 4.125%
HK$68,985
baseline
▲ 0.50% · 4.625%
HK$73,182
+HK$4,197/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,970/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,216
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,153
−HK$1,965/mo
Today · 4.125%
HK$76,118
baseline
▲ 0.50% · 4.625%
HK$80,130
+HK$4,012/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,236/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,897
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,320
−HK$2,462/mo
Today · 4.125%
HK$82,782
baseline
▲ 0.50% · 4.625%
HK$87,819
+HK$5,037/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$165,564/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,209,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,659
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,984
−HK$2,357/mo
Today · 4.125%
HK$91,341
baseline
▲ 0.50% · 4.625%
HK$96,156
+HK$4,815/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$182,682/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,209,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,880
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,706
−HK$2,873/mo
Today · 4.125%
HK$96,579
baseline
▲ 0.50% · 4.625%
HK$102,455
+HK$5,876/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,158/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,103
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,814
−HK$2,751/mo
Today · 4.125%
HK$106,565
baseline
▲ 0.50% · 4.625%
HK$112,182
+HK$5,617/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,130/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,845
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,480
−HK$3,692/mo
Today · 4.125%
HK$124,172
baseline
▲ 0.50% · 4.625%
HK$131,728
+HK$7,556/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$248,344/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,989
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,475
−HK$3,537/mo
Today · 4.125%
HK$137,012
baseline
▲ 0.50% · 4.625%
HK$144,234
+HK$7,222/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$274,024/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,884 · Scale 2, in force from 26 Feb 2026)