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$64,860
−HK$4,067/mo
▼ 0.25% · 3.875%
HK$66,877
−HK$2,050/mo
Today · 4.125%
HK$68,927
baseline
▲ 0.50% · 4.625%
HK$73,121
+HK$4,194/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,854/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,156
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$74,091
−HK$1,963/mo
Today · 4.125%
HK$76,054
baseline
▲ 0.50% · 4.625%
HK$80,063
+HK$4,009/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,108/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,832
−HK$4,880/mo
▼ 0.25% · 3.875%
HK$80,253
−HK$2,459/mo
Today · 4.125%
HK$82,712
baseline
▲ 0.50% · 4.625%
HK$87,745
+HK$5,033/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,424/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,208,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,587
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$88,909
−HK$2,356/mo
Today · 4.125%
HK$91,265
baseline
▲ 0.50% · 4.625%
HK$96,076
+HK$4,811/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,530/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,208,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,804
−HK$5,694/mo
▼ 0.25% · 3.875%
HK$93,628
−HK$2,870/mo
Today · 4.125%
HK$96,498
baseline
▲ 0.50% · 4.625%
HK$102,369
+HK$5,871/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$192,996/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,018
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$103,727
−HK$2,749/mo
Today · 4.125%
HK$106,476
baseline
▲ 0.50% · 4.625%
HK$112,088
+HK$5,612/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$212,952/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,747
−HK$7,322/mo
▼ 0.25% · 3.875%
HK$120,379
−HK$3,690/mo
Today · 4.125%
HK$124,069
baseline
▲ 0.50% · 4.625%
HK$131,618
+HK$7,549/mo
Deposit HK$2.84M · loan HK$25.60M · min. income ≈ HK$248,138/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,880
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$133,364
−HK$3,533/mo
Today · 4.125%
HK$136,897
baseline
▲ 0.50% · 4.625%
HK$144,113
+HK$7,216/mo
Deposit HK$2.84M · loan HK$25.60M · min. income ≈ HK$273,794/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,872 · Scale 2, in force from 26 Feb 2026)