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$64,899
−HK$4,070/mo
▼ 0.25% · 3.875%
HK$66,918
−HK$2,051/mo
Today · 4.125%
HK$68,969
baseline
▲ 0.50% · 4.625%
HK$73,165
+HK$4,196/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,938/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,199
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$74,136
−HK$1,964/mo
Today · 4.125%
HK$76,100
baseline
▲ 0.50% · 4.625%
HK$80,111
+HK$4,011/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,200/mo (50% DSR)
Upfront cash ≈ HK$15.44M (deposit + AVD stamp duty HK$1,209,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,879
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$80,301
−HK$2,461/mo
Today · 4.125%
HK$82,762
baseline
▲ 0.50% · 4.625%
HK$87,798
+HK$5,036/mo
Deposit HK$11.38M · loan HK$17.08M · min. income ≈ HK$165,524/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,639
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$88,963
−HK$2,357/mo
Today · 4.125%
HK$91,320
baseline
▲ 0.50% · 4.625%
HK$96,134
+HK$4,814/mo
Deposit HK$11.38M · loan HK$17.08M · min. income ≈ HK$182,640/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,859
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$93,685
−HK$2,871/mo
Today · 4.125%
HK$96,556
baseline
▲ 0.50% · 4.625%
HK$102,431
+HK$5,875/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,112/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,079
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$103,790
−HK$2,750/mo
Today · 4.125%
HK$106,540
baseline
▲ 0.50% · 4.625%
HK$112,156
+HK$5,616/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,080/mo (50% DSR)
Upfront cash ≈ HK$9.75M (deposit + AVD stamp duty HK$1,209,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,818
−HK$7,326/mo
▼ 0.25% · 3.875%
HK$120,452
−HK$3,692/mo
Today · 4.125%
HK$124,144
baseline
▲ 0.50% · 4.625%
HK$131,697
+HK$7,553/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$248,288/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,959
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$133,444
−HK$3,536/mo
Today · 4.125%
HK$136,980
baseline
▲ 0.50% · 4.625%
HK$144,201
+HK$7,221/mo
Deposit HK$2.85M · loan HK$25.62M · min. income ≈ HK$273,960/mo (50% DSR)
Upfront cash ≈ HK$4.06M (deposit + AVD stamp duty HK$1,209,603 · Scale 2, in force from 26 Feb 2026)