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$64,919
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,938
−HK$2,052/mo
Today · 4.125%
HK$68,990
baseline
▲ 0.50% · 4.625%
HK$73,188
+HK$4,198/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,980/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,221
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,158
−HK$1,965/mo
Today · 4.125%
HK$76,123
baseline
▲ 0.50% · 4.625%
HK$80,136
+HK$4,013/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,246/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,903
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,326
−HK$2,462/mo
Today · 4.125%
HK$82,788
baseline
▲ 0.50% · 4.625%
HK$87,825
+HK$5,037/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$165,576/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,209,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,666
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,990
−HK$2,358/mo
Today · 4.125%
HK$91,348
baseline
▲ 0.50% · 4.625%
HK$96,163
+HK$4,815/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$182,696/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,209,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,886
−HK$5,700/mo
▼ 0.25% · 3.875%
HK$93,713
−HK$2,873/mo
Today · 4.125%
HK$96,586
baseline
▲ 0.50% · 4.625%
HK$102,463
+HK$5,877/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,172/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,110
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$103,822
−HK$2,751/mo
Today · 4.125%
HK$106,573
baseline
▲ 0.50% · 4.625%
HK$112,190
+HK$5,617/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,146/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,854
−HK$7,328/mo
▼ 0.25% · 3.875%
HK$120,489
−HK$3,693/mo
Today · 4.125%
HK$124,182
baseline
▲ 0.50% · 4.625%
HK$131,738
+HK$7,556/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$248,364/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,999
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,485
−HK$3,537/mo
Today · 4.125%
HK$137,022
baseline
▲ 0.50% · 4.625%
HK$144,245
+HK$7,223/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$274,044/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,973 · Scale 2, in force from 26 Feb 2026)