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$64,760
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,775
−HK$2,046/mo
Today · 4.125%
HK$68,821
baseline
▲ 0.50% · 4.625%
HK$73,009
+HK$4,188/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,642/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,045
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,977
−HK$1,961/mo
Today · 4.125%
HK$75,938
baseline
▲ 0.50% · 4.625%
HK$79,940
+HK$4,002/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,876/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,712
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,130
−HK$2,456/mo
Today · 4.125%
HK$82,586
baseline
▲ 0.50% · 4.625%
HK$87,611
+HK$5,025/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$165,172/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,454
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,773
−HK$2,352/mo
Today · 4.125%
HK$91,125
baseline
▲ 0.50% · 4.625%
HK$95,928
+HK$4,803/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$182,250/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,664
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,485
−HK$2,865/mo
Today · 4.125%
HK$96,350
baseline
▲ 0.50% · 4.625%
HK$102,212
+HK$5,862/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$192,700/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,863
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,568
−HK$2,745/mo
Today · 4.125%
HK$106,313
baseline
▲ 0.50% · 4.625%
HK$111,916
+HK$5,603/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$212,626/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,568
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$120,194
−HK$3,684/mo
Today · 4.125%
HK$123,878
baseline
▲ 0.50% · 4.625%
HK$131,416
+HK$7,538/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$247,756/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,681
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$133,159
−HK$3,529/mo
Today · 4.125%
HK$136,688
baseline
▲ 0.50% · 4.625%
HK$143,893
+HK$7,205/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$273,376/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,019 · Scale 2, in force from 26 Feb 2026)