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$64,757
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,772
−HK$2,046/mo
Today · 4.125%
HK$68,818
baseline
▲ 0.50% · 4.625%
HK$73,006
+HK$4,188/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,636/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,206,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,042
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,974
−HK$1,960/mo
Today · 4.125%
HK$75,934
baseline
▲ 0.50% · 4.625%
HK$79,937
+HK$4,003/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,868/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,206,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,709
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,126
−HK$2,456/mo
Today · 4.125%
HK$82,582
baseline
▲ 0.50% · 4.625%
HK$87,607
+HK$5,025/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$165,164/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,206,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,450
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,769
−HK$2,352/mo
Today · 4.125%
HK$91,121
baseline
▲ 0.50% · 4.625%
HK$95,924
+HK$4,803/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$182,242/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,206,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,660
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$93,480
−HK$2,865/mo
Today · 4.125%
HK$96,345
baseline
▲ 0.50% · 4.625%
HK$102,208
+HK$5,863/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$192,690/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,206,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,859
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$103,564
−HK$2,744/mo
Today · 4.125%
HK$106,308
baseline
▲ 0.50% · 4.625%
HK$111,911
+HK$5,603/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$212,616/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,206,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,563
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$120,189
−HK$3,684/mo
Today · 4.125%
HK$123,873
baseline
▲ 0.50% · 4.625%
HK$131,410
+HK$7,537/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$247,746/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,675
−HK$7,006/mo
▼ 0.25% · 3.875%
HK$133,153
−HK$3,528/mo
Today · 4.125%
HK$136,681
baseline
▲ 0.50% · 4.625%
HK$143,886
+HK$7,205/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$273,362/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,963 · Scale 2, in force from 26 Feb 2026)