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$64,885
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$66,904
−HK$2,050/mo
Today · 4.125%
HK$68,954
baseline
▲ 0.50% · 4.625%
HK$73,150
+HK$4,196/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,908/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,184
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,120
−HK$1,964/mo
Today · 4.125%
HK$76,084
baseline
▲ 0.50% · 4.625%
HK$80,095
+HK$4,011/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,168/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,863
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,285
−HK$2,460/mo
Today · 4.125%
HK$82,745
baseline
▲ 0.50% · 4.625%
HK$87,780
+HK$5,035/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,490/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,621
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$88,944
−HK$2,357/mo
Today · 4.125%
HK$91,301
baseline
▲ 0.50% · 4.625%
HK$96,114
+HK$4,813/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,602/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,840
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,665
−HK$2,871/mo
Today · 4.125%
HK$96,536
baseline
▲ 0.50% · 4.625%
HK$102,410
+HK$5,874/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,072/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,058
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$103,769
−HK$2,749/mo
Today · 4.125%
HK$106,518
baseline
▲ 0.50% · 4.625%
HK$112,133
+HK$5,615/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,036/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,794
−HK$7,324/mo
▼ 0.25% · 3.875%
HK$120,427
−HK$3,691/mo
Today · 4.125%
HK$124,118
baseline
▲ 0.50% · 4.625%
HK$131,670
+HK$7,552/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$248,236/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,932
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$133,417
−HK$3,535/mo
Today · 4.125%
HK$136,952
baseline
▲ 0.50% · 4.625%
HK$144,171
+HK$7,219/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$273,904/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,352 · Scale 2, in force from 26 Feb 2026)