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$64,690
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$66,702
−HK$2,045/mo
Today · 4.125%
HK$68,747
baseline
▲ 0.50% · 4.625%
HK$72,930
+HK$4,183/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$137,494/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,967
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$73,897
−HK$1,958/mo
Today · 4.125%
HK$75,855
baseline
▲ 0.50% · 4.625%
HK$79,854
+HK$3,999/mo
Deposit HK$14.18M · loan HK$14.18M · min. income ≈ HK$151,710/mo (50% DSR)
Upfront cash ≈ HK$15.39M (deposit + AVD stamp duty HK$1,205,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,628
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$80,043
−HK$2,453/mo
Today · 4.125%
HK$82,496
baseline
▲ 0.50% · 4.625%
HK$87,516
+HK$5,020/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$164,992/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,360
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$88,677
−HK$2,349/mo
Today · 4.125%
HK$91,026
baseline
▲ 0.50% · 4.625%
HK$95,824
+HK$4,798/mo
Deposit HK$11.35M · loan HK$17.02M · min. income ≈ HK$182,052/mo (50% DSR)
Upfront cash ≈ HK$12.55M (deposit + AVD stamp duty HK$1,205,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,566
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$93,383
−HK$2,862/mo
Today · 4.125%
HK$96,245
baseline
▲ 0.50% · 4.625%
HK$102,102
+HK$5,857/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$192,490/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,754
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$103,456
−HK$2,741/mo
Today · 4.125%
HK$106,197
baseline
▲ 0.50% · 4.625%
HK$111,795
+HK$5,598/mo
Deposit HK$8.51M · loan HK$19.86M · min. income ≈ HK$212,394/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,205,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,442
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$120,064
−HK$3,680/mo
Today · 4.125%
HK$123,744
baseline
▲ 0.50% · 4.625%
HK$131,274
+HK$7,530/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$247,488/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,541
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$133,015
−HK$3,524/mo
Today · 4.125%
HK$136,539
baseline
▲ 0.50% · 4.625%
HK$143,737
+HK$7,198/mo
Deposit HK$2.84M · loan HK$25.53M · min. income ≈ HK$273,078/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,205,710 · Scale 2, in force from 26 Feb 2026)