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$64,591
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$66,600
−HK$2,041/mo
Today · 4.125%
HK$68,641
baseline
▲ 0.50% · 4.625%
HK$72,818
+HK$4,177/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,282/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,203,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,856
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,784
−HK$1,955/mo
Today · 4.125%
HK$75,739
baseline
▲ 0.50% · 4.625%
HK$79,731
+HK$3,992/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,478/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,203,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,509
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$79,920
−HK$2,449/mo
Today · 4.125%
HK$82,369
baseline
▲ 0.50% · 4.625%
HK$87,381
+HK$5,012/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,738/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,228
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,540
−HK$2,346/mo
Today · 4.125%
HK$90,886
baseline
▲ 0.50% · 4.625%
HK$95,677
+HK$4,791/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,772/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,427
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$93,240
−HK$2,857/mo
Today · 4.125%
HK$96,097
baseline
▲ 0.50% · 4.625%
HK$101,945
+HK$5,848/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,194/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,599
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$103,297
−HK$2,737/mo
Today · 4.125%
HK$106,034
baseline
▲ 0.50% · 4.625%
HK$111,623
+HK$5,589/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,068/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,263
−HK$7,291/mo
▼ 0.25% · 3.875%
HK$119,880
−HK$3,674/mo
Today · 4.125%
HK$123,554
baseline
▲ 0.50% · 4.625%
HK$131,072
+HK$7,518/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$247,108/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,342
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$132,810
−HK$3,519/mo
Today · 4.125%
HK$136,329
baseline
▲ 0.50% · 4.625%
HK$143,516
+HK$7,187/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$272,658/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,857 · Scale 2, in force from 26 Feb 2026)