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$64,644
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,655
−HK$2,043/mo
Today · 4.125%
HK$68,698
baseline
▲ 0.50% · 4.625%
HK$72,878
+HK$4,180/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,396/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,916
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$73,845
−HK$1,957/mo
Today · 4.125%
HK$75,802
baseline
▲ 0.50% · 4.625%
HK$79,797
+HK$3,995/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,604/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,573
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$79,986
−HK$2,452/mo
Today · 4.125%
HK$82,438
baseline
▲ 0.50% · 4.625%
HK$87,454
+HK$5,016/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,876/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,300
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,614
−HK$2,348/mo
Today · 4.125%
HK$90,962
baseline
▲ 0.50% · 4.625%
HK$95,757
+HK$4,795/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,924/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,502
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,317
−HK$2,860/mo
Today · 4.125%
HK$96,177
baseline
▲ 0.50% · 4.625%
HK$102,030
+HK$5,853/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$192,354/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,683
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$103,383
−HK$2,739/mo
Today · 4.125%
HK$106,122
baseline
▲ 0.50% · 4.625%
HK$111,716
+HK$5,594/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$212,244/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,360
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$119,979
−HK$3,678/mo
Today · 4.125%
HK$123,657
baseline
▲ 0.50% · 4.625%
HK$131,181
+HK$7,524/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$247,314/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,449
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,921
−HK$3,522/mo
Today · 4.125%
HK$136,443
baseline
▲ 0.50% · 4.625%
HK$143,635
+HK$7,192/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$272,886/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,860 · Scale 2, in force from 26 Feb 2026)