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$64,890
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,908
−HK$2,051/mo
Today · 4.125%
HK$68,959
baseline
▲ 0.50% · 4.625%
HK$73,155
+HK$4,196/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,918/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,189
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,125
−HK$1,964/mo
Today · 4.125%
HK$76,089
baseline
▲ 0.50% · 4.625%
HK$80,100
+HK$4,011/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,178/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,867
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,290
−HK$2,460/mo
Today · 4.125%
HK$82,750
baseline
▲ 0.50% · 4.625%
HK$87,786
+HK$5,036/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,500/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,627
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,950
−HK$2,357/mo
Today · 4.125%
HK$91,307
baseline
▲ 0.50% · 4.625%
HK$96,120
+HK$4,813/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,614/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,845
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,671
−HK$2,871/mo
Today · 4.125%
HK$96,542
baseline
▲ 0.50% · 4.625%
HK$102,417
+HK$5,875/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,084/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,065
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,775
−HK$2,750/mo
Today · 4.125%
HK$106,525
baseline
▲ 0.50% · 4.625%
HK$112,140
+HK$5,615/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,050/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,801
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$120,434
−HK$3,692/mo
Today · 4.125%
HK$124,126
baseline
▲ 0.50% · 4.625%
HK$131,678
+HK$7,552/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$248,252/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,940
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$133,425
−HK$3,535/mo
Today · 4.125%
HK$136,960
baseline
▲ 0.50% · 4.625%
HK$144,180
+HK$7,220/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$273,920/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,429 · Scale 2, in force from 26 Feb 2026)