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$14.24M · loan HK$14.24M · min. income ≈ HK$137,980/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,222
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,159
−HK$1,965/mo
Today · 4.125%
HK$76,124
baseline
▲ 0.50% · 4.625%
HK$80,136
+HK$4,012/mo
Deposit HK$14.24M · loan HK$14.24M · min. income ≈ HK$152,248/mo (50% DSR)
Upfront cash ≈ HK$15.45M (deposit + AVD stamp duty HK$1,209,980 · 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$87,826
+HK$5,038/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$1,209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,666
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$88,991
−HK$2,358/mo
Today · 4.125%
HK$91,349
baseline
▲ 0.50% · 4.625%
HK$96,164
+HK$4,815/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$182,698/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,887
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,714
−HK$2,872/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$1,209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,111
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,822
−HK$2,751/mo
Today · 4.125%
HK$106,573
baseline
▲ 0.50% · 4.625%
HK$112,191
+HK$5,618/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$1,209,980 · 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$1,209,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,999
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$133,486
−HK$3,537/mo
Today · 4.125%
HK$137,023
baseline
▲ 0.50% · 4.625%
HK$144,246
+HK$7,223/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$274,046/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,980 · Scale 2, in force from 26 Feb 2026)