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$64,780
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$66,795
−HK$2,047/mo
Today · 4.125%
HK$68,842
baseline
▲ 0.50% · 4.625%
HK$73,031
+HK$4,189/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,684/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,067
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$74,000
−HK$1,961/mo
Today · 4.125%
HK$75,961
baseline
▲ 0.50% · 4.625%
HK$79,965
+HK$4,004/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,922/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,736
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,154
−HK$2,457/mo
Today · 4.125%
HK$82,611
baseline
▲ 0.50% · 4.625%
HK$87,637
+HK$5,026/mo
Deposit HK$11.36M · loan HK$17.05M · min. income ≈ HK$165,222/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,481
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$88,800
−HK$2,353/mo
Today · 4.125%
HK$91,153
baseline
▲ 0.50% · 4.625%
HK$95,958
+HK$4,805/mo
Deposit HK$11.36M · loan HK$17.05M · min. income ≈ HK$182,306/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,692
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$93,513
−HK$2,866/mo
Today · 4.125%
HK$96,379
baseline
▲ 0.50% · 4.625%
HK$102,244
+HK$5,865/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$192,758/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,894
−HK$5,451/mo
▼ 0.25% · 3.875%
HK$103,600
−HK$2,745/mo
Today · 4.125%
HK$106,345
baseline
▲ 0.50% · 4.625%
HK$111,951
+HK$5,606/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$212,690/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,604
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$120,231
−HK$3,685/mo
Today · 4.125%
HK$123,916
baseline
▲ 0.50% · 4.625%
HK$131,456
+HK$7,540/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$247,832/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,721
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$133,200
−HK$3,529/mo
Today · 4.125%
HK$136,729
baseline
▲ 0.50% · 4.625%
HK$143,936
+HK$7,207/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$273,458/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,388 · Scale 2, in force from 26 Feb 2026)