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$64,902
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,921
−HK$2,051/mo
Today · 4.125%
HK$68,972
baseline
▲ 0.50% · 4.625%
HK$73,168
+HK$4,196/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,944/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,203
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$74,139
−HK$1,964/mo
Today · 4.125%
HK$76,103
baseline
▲ 0.50% · 4.625%
HK$80,115
+HK$4,012/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,206/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,882
−HK$4,884/mo
▼ 0.25% · 3.875%
HK$80,305
−HK$2,461/mo
Today · 4.125%
HK$82,766
baseline
▲ 0.50% · 4.625%
HK$87,802
+HK$5,036/mo
Deposit HK$11.38M · loan HK$17.08M · min. income ≈ HK$165,532/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,643
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,967
−HK$2,357/mo
Today · 4.125%
HK$91,324
baseline
▲ 0.50% · 4.625%
HK$96,138
+HK$4,814/mo
Deposit HK$11.38M · loan HK$17.08M · min. income ≈ HK$182,648/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,862
−HK$5,698/mo
▼ 0.25% · 3.875%
HK$93,689
−HK$2,871/mo
Today · 4.125%
HK$96,560
baseline
▲ 0.50% · 4.625%
HK$102,436
+HK$5,876/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,120/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,084
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,795
−HK$2,750/mo
Today · 4.125%
HK$106,545
baseline
▲ 0.50% · 4.625%
HK$112,161
+HK$5,616/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,090/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,823
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$120,457
−HK$3,692/mo
Today · 4.125%
HK$124,149
baseline
▲ 0.50% · 4.625%
HK$131,703
+HK$7,554/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$248,298/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,965
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$133,450
−HK$3,536/mo
Today · 4.125%
HK$136,986
baseline
▲ 0.50% · 4.625%
HK$144,207
+HK$7,221/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$273,972/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,656 · Scale 2, in force from 26 Feb 2026)