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$64,717
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,730
−HK$2,045/mo
Today · 4.125%
HK$68,775
baseline
▲ 0.50% · 4.625%
HK$72,960
+HK$4,185/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,550/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,997
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,928
−HK$1,959/mo
Today · 4.125%
HK$75,887
baseline
▲ 0.50% · 4.625%
HK$79,887
+HK$4,000/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,774/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,661
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,076
−HK$2,455/mo
Today · 4.125%
HK$82,531
baseline
▲ 0.50% · 4.625%
HK$87,552
+HK$5,021/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$165,062/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,397
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$88,714
−HK$2,350/mo
Today · 4.125%
HK$91,064
baseline
▲ 0.50% · 4.625%
HK$95,864
+HK$4,800/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$182,128/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,604
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$93,422
−HK$2,864/mo
Today · 4.125%
HK$96,286
baseline
▲ 0.50% · 4.625%
HK$102,144
+HK$5,858/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$192,572/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,796
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,499
−HK$2,743/mo
Today · 4.125%
HK$106,242
baseline
▲ 0.50% · 4.625%
HK$111,842
+HK$5,600/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$212,484/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,491
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,114
−HK$3,682/mo
Today · 4.125%
HK$123,796
baseline
▲ 0.50% · 4.625%
HK$131,329
+HK$7,533/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,592/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,595
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,071
−HK$3,525/mo
Today · 4.125%
HK$136,596
baseline
▲ 0.50% · 4.625%
HK$143,797
+HK$7,201/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,192/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,215 · Scale 2, in force from 26 Feb 2026)