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$64,632
−HK$4,053/mo
▼ 0.25% · 3.875%
HK$66,643
−HK$2,042/mo
Today · 4.125%
HK$68,685
baseline
▲ 0.50% · 4.625%
HK$72,864
+HK$4,179/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,370/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,903
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$73,831
−HK$1,956/mo
Today · 4.125%
HK$75,787
baseline
▲ 0.50% · 4.625%
HK$79,782
+HK$3,995/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,574/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,559
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,971
−HK$2,451/mo
Today · 4.125%
HK$82,422
baseline
▲ 0.50% · 4.625%
HK$87,437
+HK$5,015/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,844/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,283
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,597
−HK$2,348/mo
Today · 4.125%
HK$90,945
baseline
▲ 0.50% · 4.625%
HK$95,739
+HK$4,794/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,890/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,485
−HK$5,674/mo
▼ 0.25% · 3.875%
HK$93,300
−HK$2,859/mo
Today · 4.125%
HK$96,159
baseline
▲ 0.50% · 4.625%
HK$102,010
+HK$5,851/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$192,318/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,664
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,363
−HK$2,739/mo
Today · 4.125%
HK$106,102
baseline
▲ 0.50% · 4.625%
HK$111,695
+HK$5,593/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$212,204/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,338
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,957
−HK$3,676/mo
Today · 4.125%
HK$123,633
baseline
▲ 0.50% · 4.625%
HK$131,156
+HK$7,523/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$247,266/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,425
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$132,896
−HK$3,521/mo
Today · 4.125%
HK$136,417
baseline
▲ 0.50% · 4.625%
HK$143,608
+HK$7,191/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$272,834/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,630 · Scale 2, in force from 26 Feb 2026)