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$64,767
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,781
−HK$2,047/mo
Today · 4.125%
HK$68,828
baseline
▲ 0.50% · 4.625%
HK$73,016
+HK$4,188/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,656/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,052
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,985
−HK$1,960/mo
Today · 4.125%
HK$75,945
baseline
▲ 0.50% · 4.625%
HK$79,948
+HK$4,003/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,890/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,720
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,138
−HK$2,456/mo
Today · 4.125%
HK$82,594
baseline
▲ 0.50% · 4.625%
HK$87,619
+HK$5,025/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$165,188/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,463
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,782
−HK$2,352/mo
Today · 4.125%
HK$91,134
baseline
▲ 0.50% · 4.625%
HK$95,938
+HK$4,804/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$182,268/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,673
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,494
−HK$2,865/mo
Today · 4.125%
HK$96,359
baseline
▲ 0.50% · 4.625%
HK$102,223
+HK$5,864/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$192,718/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,873
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,579
−HK$2,744/mo
Today · 4.125%
HK$106,323
baseline
▲ 0.50% · 4.625%
HK$111,928
+HK$5,605/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$212,646/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,580
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$120,206
−HK$3,685/mo
Today · 4.125%
HK$123,891
baseline
▲ 0.50% · 4.625%
HK$131,429
+HK$7,538/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$247,782/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,694
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$133,173
−HK$3,528/mo
Today · 4.125%
HK$136,701
baseline
▲ 0.50% · 4.625%
HK$143,907
+HK$7,206/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$273,402/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,140 · Scale 2, in force from 26 Feb 2026)