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$64,635
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,646
−HK$2,043/mo
Today · 4.125%
HK$68,689
baseline
▲ 0.50% · 4.625%
HK$72,868
+HK$4,179/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,378/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,906
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,835
−HK$1,956/mo
Today · 4.125%
HK$75,791
baseline
▲ 0.50% · 4.625%
HK$79,786
+HK$3,995/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,582/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,562
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,975
−HK$2,451/mo
Today · 4.125%
HK$82,426
baseline
▲ 0.50% · 4.625%
HK$87,442
+HK$5,016/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,852/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,287
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,602
−HK$2,347/mo
Today · 4.125%
HK$90,949
baseline
▲ 0.50% · 4.625%
HK$95,743
+HK$4,794/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,898/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,489
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,304
−HK$2,860/mo
Today · 4.125%
HK$96,164
baseline
▲ 0.50% · 4.625%
HK$102,015
+HK$5,851/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$192,328/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,669
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$103,368
−HK$2,739/mo
Today · 4.125%
HK$106,107
baseline
▲ 0.50% · 4.625%
HK$111,700
+HK$5,593/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$212,214/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,344
−HK$7,295/mo
▼ 0.25% · 3.875%
HK$119,962
−HK$3,677/mo
Today · 4.125%
HK$123,639
baseline
▲ 0.50% · 4.625%
HK$131,162
+HK$7,523/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$247,278/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,431
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$132,902
−HK$3,522/mo
Today · 4.125%
HK$136,424
baseline
▲ 0.50% · 4.625%
HK$143,615
+HK$7,191/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$272,848/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,690 · Scale 2, in force from 26 Feb 2026)