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$64,803
−HK$4,064/mo
▼ 0.25% · 3.875%
HK$66,819
−HK$2,048/mo
Today · 4.125%
HK$68,867
baseline
▲ 0.50% · 4.625%
HK$73,057
+HK$4,190/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,734/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,093
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,026
−HK$1,962/mo
Today · 4.125%
HK$75,988
baseline
▲ 0.50% · 4.625%
HK$79,993
+HK$4,005/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,976/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,764
−HK$4,876/mo
▼ 0.25% · 3.875%
HK$80,182
−HK$2,458/mo
Today · 4.125%
HK$82,640
baseline
▲ 0.50% · 4.625%
HK$87,668
+HK$5,028/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,280/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,207,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,511
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$88,831
−HK$2,354/mo
Today · 4.125%
HK$91,185
baseline
▲ 0.50% · 4.625%
HK$95,992
+HK$4,807/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,370/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,207,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,724
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,546
−HK$2,867/mo
Today · 4.125%
HK$96,413
baseline
▲ 0.50% · 4.625%
HK$102,280
+HK$5,867/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$192,826/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,930
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$103,637
−HK$2,746/mo
Today · 4.125%
HK$106,383
baseline
▲ 0.50% · 4.625%
HK$111,990
+HK$5,607/mo
Deposit HK$8.53M · loan HK$19.89M · min. income ≈ HK$212,766/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,645
−HK$7,315/mo
▼ 0.25% · 3.875%
HK$120,274
−HK$3,686/mo
Today · 4.125%
HK$123,960
baseline
▲ 0.50% · 4.625%
HK$131,503
+HK$7,543/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$247,920/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,767
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$133,247
−HK$3,531/mo
Today · 4.125%
HK$136,778
baseline
▲ 0.50% · 4.625%
HK$143,987
+HK$7,209/mo
Deposit HK$2.84M · loan HK$25.58M · min. income ≈ HK$273,556/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,814 · Scale 2, in force from 26 Feb 2026)