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$64,683
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,695
−HK$2,045/mo
Today · 4.125%
HK$68,740
baseline
▲ 0.50% · 4.625%
HK$72,922
+HK$4,182/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,480/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,960
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$73,890
−HK$1,957/mo
Today · 4.125%
HK$75,847
baseline
▲ 0.50% · 4.625%
HK$79,845
+HK$3,998/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,694/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,620
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,035
−HK$2,453/mo
Today · 4.125%
HK$82,488
baseline
▲ 0.50% · 4.625%
HK$87,507
+HK$5,019/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$164,976/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,352
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$88,667
−HK$2,350/mo
Today · 4.125%
HK$91,017
baseline
▲ 0.50% · 4.625%
HK$95,815
+HK$4,798/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$182,034/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,557
−HK$5,678/mo
▼ 0.25% · 3.875%
HK$93,374
−HK$2,861/mo
Today · 4.125%
HK$96,235
baseline
▲ 0.50% · 4.625%
HK$102,091
+HK$5,856/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$192,470/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,744
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$103,445
−HK$2,741/mo
Today · 4.125%
HK$106,186
baseline
▲ 0.50% · 4.625%
HK$111,784
+HK$5,598/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$212,372/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,430
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$120,052
−HK$3,679/mo
Today · 4.125%
HK$123,731
baseline
▲ 0.50% · 4.625%
HK$131,260
+HK$7,529/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$247,462/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,527
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$133,001
−HK$3,524/mo
Today · 4.125%
HK$136,525
baseline
▲ 0.50% · 4.625%
HK$143,722
+HK$7,197/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$273,050/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,586 · Scale 2, in force from 26 Feb 2026)