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$64,546
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,553
−HK$2,040/mo
Today · 4.125%
HK$68,593
baseline
▲ 0.50% · 4.625%
HK$72,767
+HK$4,174/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,186/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,806
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,732
−HK$1,954/mo
Today · 4.125%
HK$75,686
baseline
▲ 0.50% · 4.625%
HK$79,675
+HK$3,989/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,372/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,455
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,864
−HK$2,448/mo
Today · 4.125%
HK$82,312
baseline
▲ 0.50% · 4.625%
HK$87,320
+HK$5,008/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,624/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,168
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,479
−HK$2,344/mo
Today · 4.125%
HK$90,823
baseline
▲ 0.50% · 4.625%
HK$95,610
+HK$4,787/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,646/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,364
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,175
−HK$2,856/mo
Today · 4.125%
HK$96,031
baseline
▲ 0.50% · 4.625%
HK$101,874
+HK$5,843/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$192,062/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,529
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,225
−HK$2,735/mo
Today · 4.125%
HK$105,960
baseline
▲ 0.50% · 4.625%
HK$111,546
+HK$5,586/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,920/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,182
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,796
−HK$3,672/mo
Today · 4.125%
HK$123,468
baseline
▲ 0.50% · 4.625%
HK$130,981
+HK$7,513/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$246,936/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,252
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,718
−HK$3,517/mo
Today · 4.125%
HK$136,235
baseline
▲ 0.50% · 4.625%
HK$143,416
+HK$7,181/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$272,470/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,019 · Scale 2, in force from 26 Feb 2026)