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$64,676
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,687
−HK$2,044/mo
Today · 4.125%
HK$68,731
baseline
▲ 0.50% · 4.625%
HK$72,913
+HK$4,182/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,462/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,951
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,881
−HK$1,957/mo
Today · 4.125%
HK$75,838
baseline
▲ 0.50% · 4.625%
HK$79,836
+HK$3,998/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,676/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,611
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$80,025
−HK$2,453/mo
Today · 4.125%
HK$82,478
baseline
▲ 0.50% · 4.625%
HK$87,496
+HK$5,018/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$164,956/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,341
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,657
−HK$2,349/mo
Today · 4.125%
HK$91,006
baseline
▲ 0.50% · 4.625%
HK$95,803
+HK$4,797/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$182,012/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,546
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,362
−HK$2,862/mo
Today · 4.125%
HK$96,224
baseline
▲ 0.50% · 4.625%
HK$102,079
+HK$5,855/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$192,448/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,731
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,433
−HK$2,741/mo
Today · 4.125%
HK$106,174
baseline
▲ 0.50% · 4.625%
HK$111,770
+HK$5,596/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$212,348/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,416
−HK$7,300/mo
▼ 0.25% · 3.875%
HK$120,037
−HK$3,679/mo
Today · 4.125%
HK$123,716
baseline
▲ 0.50% · 4.625%
HK$131,244
+HK$7,528/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$247,432/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,512
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$132,985
−HK$3,524/mo
Today · 4.125%
HK$136,509
baseline
▲ 0.50% · 4.625%
HK$143,704
+HK$7,195/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$273,018/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,440 · Scale 2, in force from 26 Feb 2026)