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$64,675
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,686
−HK$2,044/mo
Today · 4.125%
HK$68,730
baseline
▲ 0.50% · 4.625%
HK$72,912
+HK$4,182/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,460/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,950
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,880
−HK$1,957/mo
Today · 4.125%
HK$75,837
baseline
▲ 0.50% · 4.625%
HK$79,835
+HK$3,998/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,674/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,610
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$80,024
−HK$2,452/mo
Today · 4.125%
HK$82,476
baseline
▲ 0.50% · 4.625%
HK$87,495
+HK$5,019/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$164,952/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,340
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,656
−HK$2,349/mo
Today · 4.125%
HK$91,005
baseline
▲ 0.50% · 4.625%
HK$95,802
+HK$4,797/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$182,010/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,545
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,361
−HK$2,862/mo
Today · 4.125%
HK$96,223
baseline
▲ 0.50% · 4.625%
HK$102,077
+HK$5,854/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$192,446/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,730
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,431
−HK$2,741/mo
Today · 4.125%
HK$106,172
baseline
▲ 0.50% · 4.625%
HK$111,769
+HK$5,597/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$212,344/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,414
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$120,036
−HK$3,679/mo
Today · 4.125%
HK$123,715
baseline
▲ 0.50% · 4.625%
HK$131,242
+HK$7,527/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$247,430/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,510
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$132,983
−HK$3,524/mo
Today · 4.125%
HK$136,507
baseline
▲ 0.50% · 4.625%
HK$143,702
+HK$7,195/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$273,014/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,424 · Scale 2, in force from 26 Feb 2026)