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$64,799
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,814
−HK$2,048/mo
Today · 4.125%
HK$68,862
baseline
▲ 0.50% · 4.625%
HK$73,052
+HK$4,190/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,724/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,088
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,021
−HK$1,962/mo
Today · 4.125%
HK$75,983
baseline
▲ 0.50% · 4.625%
HK$79,988
+HK$4,005/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,966/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,758
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,177
−HK$2,458/mo
Today · 4.125%
HK$82,635
baseline
▲ 0.50% · 4.625%
HK$87,663
+HK$5,028/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,270/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,505
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,825
−HK$2,354/mo
Today · 4.125%
HK$91,179
baseline
▲ 0.50% · 4.625%
HK$95,985
+HK$4,806/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,358/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,718
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,540
−HK$2,867/mo
Today · 4.125%
HK$96,407
baseline
▲ 0.50% · 4.625%
HK$102,273
+HK$5,866/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$192,814/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,923
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,630
−HK$2,746/mo
Today · 4.125%
HK$106,376
baseline
▲ 0.50% · 4.625%
HK$111,983
+HK$5,607/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$212,752/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,638
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,266
−HK$3,686/mo
Today · 4.125%
HK$123,952
baseline
▲ 0.50% · 4.625%
HK$131,494
+HK$7,542/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$247,904/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,758
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,238
−HK$3,531/mo
Today · 4.125%
HK$136,769
baseline
▲ 0.50% · 4.625%
HK$143,978
+HK$7,209/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$273,538/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,735 · Scale 2, in force from 26 Feb 2026)