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$64,806
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,822
−HK$2,048/mo
Today · 4.125%
HK$68,870
baseline
▲ 0.50% · 4.625%
HK$73,061
+HK$4,191/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,740/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,096
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,030
−HK$1,962/mo
Today · 4.125%
HK$75,992
baseline
▲ 0.50% · 4.625%
HK$79,997
+HK$4,005/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$1,207,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,768
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,187
−HK$2,457/mo
Today · 4.125%
HK$82,644
baseline
▲ 0.50% · 4.625%
HK$87,673
+HK$5,029/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,288/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,207,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,516
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,836
−HK$2,354/mo
Today · 4.125%
HK$91,190
baseline
▲ 0.50% · 4.625%
HK$95,997
+HK$4,807/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,380/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,207,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,729
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,551
−HK$2,867/mo
Today · 4.125%
HK$96,418
baseline
▲ 0.50% · 4.625%
HK$102,285
+HK$5,867/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$192,836/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,935
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,642
−HK$2,746/mo
Today · 4.125%
HK$106,388
baseline
▲ 0.50% · 4.625%
HK$111,996
+HK$5,608/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$212,776/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,651
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,280
−HK$3,686/mo
Today · 4.125%
HK$123,966
baseline
▲ 0.50% · 4.625%
HK$131,509
+HK$7,543/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$247,932/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,773
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,254
−HK$3,531/mo
Today · 4.125%
HK$136,785
baseline
▲ 0.50% · 4.625%
HK$143,995
+HK$7,210/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$273,570/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,877 · Scale 2, in force from 26 Feb 2026)