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$64,826
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,843
−HK$2,049/mo
Today · 4.125%
HK$68,892
baseline
▲ 0.50% · 4.625%
HK$73,083
+HK$4,191/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,784/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,119
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,053
−HK$1,962/mo
Today · 4.125%
HK$76,015
baseline
▲ 0.50% · 4.625%
HK$80,022
+HK$4,007/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$152,030/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,792
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,211
−HK$2,459/mo
Today · 4.125%
HK$82,670
baseline
▲ 0.50% · 4.625%
HK$87,700
+HK$5,030/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$165,340/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,542
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,863
−HK$2,355/mo
Today · 4.125%
HK$91,218
baseline
▲ 0.50% · 4.625%
HK$96,026
+HK$4,808/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$182,436/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,757
−HK$5,691/mo
▼ 0.25% · 3.875%
HK$93,580
−HK$2,868/mo
Today · 4.125%
HK$96,448
baseline
▲ 0.50% · 4.625%
HK$102,317
+HK$5,869/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$192,896/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,966
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$103,674
−HK$2,747/mo
Today · 4.125%
HK$106,421
baseline
▲ 0.50% · 4.625%
HK$112,031
+HK$5,610/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$212,842/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,688
−HK$7,317/mo
▼ 0.25% · 3.875%
HK$120,317
−HK$3,688/mo
Today · 4.125%
HK$124,005
baseline
▲ 0.50% · 4.625%
HK$131,550
+HK$7,545/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$248,010/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,814
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$133,295
−HK$3,532/mo
Today · 4.125%
HK$136,827
baseline
▲ 0.50% · 4.625%
HK$144,039
+HK$7,212/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$273,654/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,251 · Scale 2, in force from 26 Feb 2026)