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$64,655
−HK$4,055/mo
▼ 0.25% · 3.875%
HK$66,667
−HK$2,043/mo
Today · 4.125%
HK$68,710
baseline
▲ 0.50% · 4.625%
HK$72,891
+HK$4,181/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,420/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,929
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,858
−HK$1,957/mo
Today · 4.125%
HK$75,815
baseline
▲ 0.50% · 4.625%
HK$79,811
+HK$3,996/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,630/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,205,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,587
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$80,000
−HK$2,452/mo
Today · 4.125%
HK$82,452
baseline
▲ 0.50% · 4.625%
HK$87,469
+HK$5,017/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,904/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,314
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$88,629
−HK$2,349/mo
Today · 4.125%
HK$90,978
baseline
▲ 0.50% · 4.625%
HK$95,773
+HK$4,795/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,956/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,518
−HK$5,676/mo
▼ 0.25% · 3.875%
HK$93,333
−HK$2,861/mo
Today · 4.125%
HK$96,194
baseline
▲ 0.50% · 4.625%
HK$102,047
+HK$5,853/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$192,388/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,700
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,401
−HK$2,739/mo
Today · 4.125%
HK$106,140
baseline
▲ 0.50% · 4.625%
HK$111,735
+HK$5,595/mo
Deposit HK$8.51M · loan HK$19.85M · min. income ≈ HK$212,280/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,205,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,380
−HK$7,298/mo
▼ 0.25% · 3.875%
HK$120,000
−HK$3,678/mo
Today · 4.125%
HK$123,678
baseline
▲ 0.50% · 4.625%
HK$131,203
+HK$7,525/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$247,356/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,471
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$132,944
−HK$3,522/mo
Today · 4.125%
HK$136,466
baseline
▲ 0.50% · 4.625%
HK$143,660
+HK$7,194/mo
Deposit HK$2.84M · loan HK$25.52M · min. income ≈ HK$272,932/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,065 · Scale 2, in force from 26 Feb 2026)