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$64,618
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,628
−HK$2,042/mo
Today · 4.125%
HK$68,670
baseline
▲ 0.50% · 4.625%
HK$72,848
+HK$4,178/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,340/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,887
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,815
−HK$1,955/mo
Today · 4.125%
HK$75,770
baseline
▲ 0.50% · 4.625%
HK$79,764
+HK$3,994/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,540/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,541
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$79,953
−HK$2,451/mo
Today · 4.125%
HK$82,404
baseline
▲ 0.50% · 4.625%
HK$87,418
+HK$5,014/mo
Deposit HK$11.34M · loan HK$17.00M · min. income ≈ HK$164,808/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,264
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,577
−HK$2,347/mo
Today · 4.125%
HK$90,924
baseline
▲ 0.50% · 4.625%
HK$95,717
+HK$4,793/mo
Deposit HK$11.34M · loan HK$17.00M · min. income ≈ HK$181,848/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,465
−HK$5,673/mo
▼ 0.25% · 3.875%
HK$93,279
−HK$2,859/mo
Today · 4.125%
HK$96,138
baseline
▲ 0.50% · 4.625%
HK$101,987
+HK$5,849/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$192,276/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,641
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$103,340
−HK$2,738/mo
Today · 4.125%
HK$106,078
baseline
▲ 0.50% · 4.625%
HK$111,670
+HK$5,592/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$212,156/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,312
−HK$7,294/mo
▼ 0.25% · 3.875%
HK$119,930
−HK$3,676/mo
Today · 4.125%
HK$123,606
baseline
▲ 0.50% · 4.625%
HK$131,127
+HK$7,521/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$247,212/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,396
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$132,866
−HK$3,521/mo
Today · 4.125%
HK$136,387
baseline
▲ 0.50% · 4.625%
HK$143,576
+HK$7,189/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$272,774/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,362 · Scale 2, in force from 26 Feb 2026)