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$64,697
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,709
−HK$2,045/mo
Today · 4.125%
HK$68,754
baseline
▲ 0.50% · 4.625%
HK$72,937
+HK$4,183/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,508/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,974
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,905
−HK$1,958/mo
Today · 4.125%
HK$75,863
baseline
▲ 0.50% · 4.625%
HK$79,862
+HK$3,999/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,726/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,636
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,051
−HK$2,453/mo
Today · 4.125%
HK$82,504
baseline
▲ 0.50% · 4.625%
HK$87,524
+HK$5,020/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$165,008/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,369
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,685
−HK$2,350/mo
Today · 4.125%
HK$91,035
baseline
▲ 0.50% · 4.625%
HK$95,834
+HK$4,799/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$182,070/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,575
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$93,393
−HK$2,862/mo
Today · 4.125%
HK$96,255
baseline
▲ 0.50% · 4.625%
HK$102,112
+HK$5,857/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$192,510/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,764
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$103,466
−HK$2,742/mo
Today · 4.125%
HK$106,208
baseline
▲ 0.50% · 4.625%
HK$111,806
+HK$5,598/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$212,416/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,454
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$120,076
−HK$3,680/mo
Today · 4.125%
HK$123,756
baseline
▲ 0.50% · 4.625%
HK$131,287
+HK$7,531/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,512/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,554
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$133,028
−HK$3,525/mo
Today · 4.125%
HK$136,553
baseline
▲ 0.50% · 4.625%
HK$143,751
+HK$7,198/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,106/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,831 · Scale 2, in force from 26 Feb 2026)