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$64,866
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,883
−HK$2,050/mo
Today · 4.125%
HK$68,933
baseline
▲ 0.50% · 4.625%
HK$73,128
+HK$4,195/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,866/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,162
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,098
−HK$1,963/mo
Today · 4.125%
HK$76,061
baseline
▲ 0.50% · 4.625%
HK$80,070
+HK$4,009/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,122/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,839
−HK$4,881/mo
▼ 0.25% · 3.875%
HK$80,260
−HK$2,460/mo
Today · 4.125%
HK$82,720
baseline
▲ 0.50% · 4.625%
HK$87,753
+HK$5,033/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,440/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,595
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,917
−HK$2,356/mo
Today · 4.125%
HK$91,273
baseline
▲ 0.50% · 4.625%
HK$96,085
+HK$4,812/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,546/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,812
−HK$5,695/mo
▼ 0.25% · 3.875%
HK$93,637
−HK$2,870/mo
Today · 4.125%
HK$96,507
baseline
▲ 0.50% · 4.625%
HK$102,379
+HK$5,872/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$193,014/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,027
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,737
−HK$2,749/mo
Today · 4.125%
HK$106,486
baseline
▲ 0.50% · 4.625%
HK$112,099
+HK$5,613/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$212,972/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,758
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,390
−HK$3,690/mo
Today · 4.125%
HK$124,080
baseline
▲ 0.50% · 4.625%
HK$131,630
+HK$7,550/mo
Deposit HK$2.84M · loan HK$25.60M · min. income ≈ HK$248,160/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,892
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$133,376
−HK$3,534/mo
Today · 4.125%
HK$136,910
baseline
▲ 0.50% · 4.625%
HK$144,127
+HK$7,217/mo
Deposit HK$2.84M · loan HK$25.60M · min. income ≈ HK$273,820/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,984 · Scale 2, in force from 26 Feb 2026)