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$64,783
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,798
−HK$2,047/mo
Today · 4.125%
HK$68,845
baseline
▲ 0.50% · 4.625%
HK$73,034
+HK$4,189/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,690/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,070
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,003
−HK$1,961/mo
Today · 4.125%
HK$75,964
baseline
▲ 0.50% · 4.625%
HK$79,968
+HK$4,004/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,928/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,739
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,157
−HK$2,457/mo
Today · 4.125%
HK$82,614
baseline
▲ 0.50% · 4.625%
HK$87,641
+HK$5,027/mo
Deposit HK$11.36M · loan HK$17.05M · min. income ≈ HK$165,228/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,484
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,804
−HK$2,353/mo
Today · 4.125%
HK$91,157
baseline
▲ 0.50% · 4.625%
HK$95,962
+HK$4,805/mo
Deposit HK$11.36M · loan HK$17.05M · min. income ≈ HK$182,314/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,696
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,517
−HK$2,866/mo
Today · 4.125%
HK$96,383
baseline
▲ 0.50% · 4.625%
HK$102,248
+HK$5,865/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$192,766/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,898
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,604
−HK$2,745/mo
Today · 4.125%
HK$106,349
baseline
▲ 0.50% · 4.625%
HK$111,955
+HK$5,606/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$212,698/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,609
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,236
−HK$3,685/mo
Today · 4.125%
HK$123,921
baseline
▲ 0.50% · 4.625%
HK$131,461
+HK$7,540/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$247,842/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,726
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$133,205
−HK$3,530/mo
Today · 4.125%
HK$136,735
baseline
▲ 0.50% · 4.625%
HK$143,942
+HK$7,207/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$273,470/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,436 · Scale 2, in force from 26 Feb 2026)