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$64,915
−HK$4,071/mo
▼ 0.25% · 3.875%
HK$66,934
−HK$2,052/mo
Today · 4.125%
HK$68,986
baseline
▲ 0.50% · 4.625%
HK$73,183
+HK$4,197/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,972/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,217
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$74,154
−HK$1,965/mo
Today · 4.125%
HK$76,119
baseline
▲ 0.50% · 4.625%
HK$80,131
+HK$4,012/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,238/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,898
−HK$4,885/mo
▼ 0.25% · 3.875%
HK$80,321
−HK$2,462/mo
Today · 4.125%
HK$82,783
baseline
▲ 0.50% · 4.625%
HK$87,820
+HK$5,037/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$165,566/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,209,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,661
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$88,985
−HK$2,358/mo
Today · 4.125%
HK$91,343
baseline
▲ 0.50% · 4.625%
HK$96,157
+HK$4,814/mo
Deposit HK$11.39M · loan HK$17.08M · min. income ≈ HK$182,686/mo (50% DSR)
Upfront cash ≈ HK$12.60M (deposit + AVD stamp duty HK$1,209,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,881
−HK$5,699/mo
▼ 0.25% · 3.875%
HK$93,708
−HK$2,872/mo
Today · 4.125%
HK$96,580
baseline
▲ 0.50% · 4.625%
HK$102,457
+HK$5,877/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$193,160/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,104
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$103,816
−HK$2,750/mo
Today · 4.125%
HK$106,566
baseline
▲ 0.50% · 4.625%
HK$112,184
+HK$5,618/mo
Deposit HK$8.54M · loan HK$19.93M · min. income ≈ HK$213,132/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,847
−HK$7,327/mo
▼ 0.25% · 3.875%
HK$120,481
−HK$3,693/mo
Today · 4.125%
HK$124,174
baseline
▲ 0.50% · 4.625%
HK$131,730
+HK$7,556/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$248,348/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,991
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$133,477
−HK$3,537/mo
Today · 4.125%
HK$137,014
baseline
▲ 0.50% · 4.625%
HK$144,236
+HK$7,222/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$274,028/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,901 · Scale 2, in force from 26 Feb 2026)