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$64,813
−HK$4,065/mo
▼ 0.25% · 3.875%
HK$66,829
−HK$2,049/mo
Today · 4.125%
HK$68,878
baseline
▲ 0.50% · 4.625%
HK$73,069
+HK$4,191/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,756/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,104
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$74,038
−HK$1,962/mo
Today · 4.125%
HK$76,000
baseline
▲ 0.50% · 4.625%
HK$80,006
+HK$4,006/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$152,000/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,776
−HK$4,877/mo
▼ 0.25% · 3.875%
HK$80,195
−HK$2,458/mo
Today · 4.125%
HK$82,653
baseline
▲ 0.50% · 4.625%
HK$87,683
+HK$5,030/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,306/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,525
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$88,846
−HK$2,354/mo
Today · 4.125%
HK$91,200
baseline
▲ 0.50% · 4.625%
HK$96,007
+HK$4,807/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,400/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,739
−HK$5,690/mo
▼ 0.25% · 3.875%
HK$93,561
−HK$2,868/mo
Today · 4.125%
HK$96,429
baseline
▲ 0.50% · 4.625%
HK$102,296
+HK$5,867/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$192,858/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,946
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$103,653
−HK$2,747/mo
Today · 4.125%
HK$106,400
baseline
▲ 0.50% · 4.625%
HK$112,008
+HK$5,608/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$212,800/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,664
−HK$7,316/mo
▼ 0.25% · 3.875%
HK$120,293
−HK$3,687/mo
Today · 4.125%
HK$123,980
baseline
▲ 0.50% · 4.625%
HK$131,524
+HK$7,544/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$247,960/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,788
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$133,269
−HK$3,531/mo
Today · 4.125%
HK$136,800
baseline
▲ 0.50% · 4.625%
HK$144,011
+HK$7,211/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$273,600/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,009 · Scale 2, in force from 26 Feb 2026)