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$64,778
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,793
−HK$2,047/mo
Today · 4.125%
HK$68,840
baseline
▲ 0.50% · 4.625%
HK$73,029
+HK$4,189/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,680/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,065
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,998
−HK$1,960/mo
Today · 4.125%
HK$75,958
baseline
▲ 0.50% · 4.625%
HK$79,962
+HK$4,004/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,916/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,734
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,152
−HK$2,456/mo
Today · 4.125%
HK$82,608
baseline
▲ 0.50% · 4.625%
HK$87,635
+HK$5,027/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$165,216/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,478
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,797
−HK$2,353/mo
Today · 4.125%
HK$91,150
baseline
▲ 0.50% · 4.625%
HK$95,955
+HK$4,805/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$182,300/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,689
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,510
−HK$2,866/mo
Today · 4.125%
HK$96,376
baseline
▲ 0.50% · 4.625%
HK$102,241
+HK$5,865/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$192,752/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,891
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,597
−HK$2,745/mo
Today · 4.125%
HK$106,342
baseline
▲ 0.50% · 4.625%
HK$111,947
+HK$5,605/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$212,684/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,600
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,227
−HK$3,685/mo
Today · 4.125%
HK$123,912
baseline
▲ 0.50% · 4.625%
HK$131,452
+HK$7,540/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$247,824/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,717
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,196
−HK$3,529/mo
Today · 4.125%
HK$136,725
baseline
▲ 0.50% · 4.625%
HK$143,932
+HK$7,207/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$273,450/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,350 · Scale 2, in force from 26 Feb 2026)