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$64,511
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,518
−HK$2,038/mo
Today · 4.125%
HK$68,556
baseline
▲ 0.50% · 4.625%
HK$72,728
+HK$4,172/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,112/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,768
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$73,693
−HK$1,952/mo
Today · 4.125%
HK$75,645
baseline
▲ 0.50% · 4.625%
HK$79,633
+HK$3,988/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,290/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,413
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,821
−HK$2,447/mo
Today · 4.125%
HK$82,268
baseline
▲ 0.50% · 4.625%
HK$87,273
+HK$5,005/mo
Deposit HK$11.32M · loan HK$16.97M · min. income ≈ HK$164,536/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,121
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,431
−HK$2,343/mo
Today · 4.125%
HK$90,774
baseline
▲ 0.50% · 4.625%
HK$95,559
+HK$4,785/mo
Deposit HK$11.32M · loan HK$16.97M · min. income ≈ HK$181,548/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,315
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,125
−HK$2,854/mo
Today · 4.125%
HK$95,979
baseline
▲ 0.50% · 4.625%
HK$101,819
+HK$5,840/mo
Deposit HK$8.49M · loan HK$19.80M · min. income ≈ HK$191,958/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,475
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$103,170
−HK$2,733/mo
Today · 4.125%
HK$105,903
baseline
▲ 0.50% · 4.625%
HK$111,486
+HK$5,583/mo
Deposit HK$8.49M · loan HK$19.80M · min. income ≈ HK$211,806/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,120
−HK$7,281/mo
▼ 0.25% · 3.875%
HK$119,732
−HK$3,669/mo
Today · 4.125%
HK$123,401
baseline
▲ 0.50% · 4.625%
HK$130,910
+HK$7,509/mo
Deposit HK$2.83M · loan HK$25.46M · min. income ≈ HK$246,802/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,182
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$132,647
−HK$3,514/mo
Today · 4.125%
HK$136,161
baseline
▲ 0.50% · 4.625%
HK$143,339
+HK$7,178/mo
Deposit HK$2.83M · loan HK$25.46M · min. income ≈ HK$272,322/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,373 · Scale 2, in force from 26 Feb 2026)