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$64,807
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,823
−HK$2,048/mo
Today · 4.125%
HK$68,871
baseline
▲ 0.50% · 4.625%
HK$73,062
+HK$4,191/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,742/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,097
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,031
−HK$1,961/mo
Today · 4.125%
HK$75,992
baseline
▲ 0.50% · 4.625%
HK$79,998
+HK$4,006/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,984/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,768
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,188
−HK$2,457/mo
Today · 4.125%
HK$82,645
baseline
▲ 0.50% · 4.625%
HK$87,674
+HK$5,029/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,290/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,207,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,517
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,837
−HK$2,354/mo
Today · 4.125%
HK$91,191
baseline
▲ 0.50% · 4.625%
HK$95,998
+HK$4,807/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,382/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,207,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,730
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,552
−HK$2,867/mo
Today · 4.125%
HK$96,419
baseline
▲ 0.50% · 4.625%
HK$102,286
+HK$5,867/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$192,838/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,936
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,643
−HK$2,746/mo
Today · 4.125%
HK$106,389
baseline
▲ 0.50% · 4.625%
HK$111,997
+HK$5,608/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$212,778/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,653
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,281
−HK$3,687/mo
Today · 4.125%
HK$123,968
baseline
▲ 0.50% · 4.625%
HK$131,511
+HK$7,543/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$247,936/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,775
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,255
−HK$3,531/mo
Today · 4.125%
HK$136,786
baseline
▲ 0.50% · 4.625%
HK$143,996
+HK$7,210/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$273,572/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,891 · Scale 2, in force from 26 Feb 2026)