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$64,664
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,676
−HK$2,043/mo
Today · 4.125%
HK$68,719
baseline
▲ 0.50% · 4.625%
HK$72,901
+HK$4,182/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,438/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,938
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,868
−HK$1,957/mo
Today · 4.125%
HK$75,825
baseline
▲ 0.50% · 4.625%
HK$79,822
+HK$3,997/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,650/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,597
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,011
−HK$2,452/mo
Today · 4.125%
HK$82,463
baseline
▲ 0.50% · 4.625%
HK$87,481
+HK$5,018/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,926/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,326
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,641
−HK$2,349/mo
Today · 4.125%
HK$90,990
baseline
▲ 0.50% · 4.625%
HK$95,786
+HK$4,796/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,980/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,530
−HK$5,677/mo
▼ 0.25% · 3.875%
HK$93,346
−HK$2,861/mo
Today · 4.125%
HK$96,207
baseline
▲ 0.50% · 4.625%
HK$102,061
+HK$5,854/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$192,414/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,714
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$103,415
−HK$2,740/mo
Today · 4.125%
HK$106,155
baseline
▲ 0.50% · 4.625%
HK$111,750
+HK$5,595/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$212,310/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,396
−HK$7,299/mo
▼ 0.25% · 3.875%
HK$120,016
−HK$3,679/mo
Today · 4.125%
HK$123,695
baseline
▲ 0.50% · 4.625%
HK$131,221
+HK$7,526/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$247,390/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,489
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$132,962
−HK$3,523/mo
Today · 4.125%
HK$136,485
baseline
▲ 0.50% · 4.625%
HK$143,679
+HK$7,194/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$272,970/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,229 · Scale 2, in force from 26 Feb 2026)