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$64,795
−HK$4,063/mo
▼ 0.25% · 3.875%
HK$66,810
−HK$2,048/mo
Today · 4.125%
HK$68,858
baseline
▲ 0.50% · 4.625%
HK$73,048
+HK$4,190/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$137,716/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,083
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$74,017
−HK$1,961/mo
Today · 4.125%
HK$75,978
baseline
▲ 0.50% · 4.625%
HK$79,983
+HK$4,005/mo
Deposit HK$14.21M · loan HK$14.21M · min. income ≈ HK$151,956/mo (50% DSR)
Upfront cash ≈ HK$15.42M (deposit + AVD stamp duty HK$1,207,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,754
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$80,172
−HK$2,457/mo
Today · 4.125%
HK$82,629
baseline
▲ 0.50% · 4.625%
HK$87,657
+HK$5,028/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$165,258/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,500
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$88,820
−HK$2,353/mo
Today · 4.125%
HK$91,173
baseline
▲ 0.50% · 4.625%
HK$95,979
+HK$4,806/mo
Deposit HK$11.37M · loan HK$17.05M · min. income ≈ HK$182,346/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,712
−HK$5,689/mo
▼ 0.25% · 3.875%
HK$93,534
−HK$2,867/mo
Today · 4.125%
HK$96,401
baseline
▲ 0.50% · 4.625%
HK$102,267
+HK$5,866/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$192,802/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,917
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$103,623
−HK$2,746/mo
Today · 4.125%
HK$106,369
baseline
▲ 0.50% · 4.625%
HK$111,976
+HK$5,607/mo
Deposit HK$8.52M · loan HK$19.89M · min. income ≈ HK$212,738/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,630
−HK$7,314/mo
▼ 0.25% · 3.875%
HK$120,258
−HK$3,686/mo
Today · 4.125%
HK$123,944
baseline
▲ 0.50% · 4.625%
HK$131,486
+HK$7,542/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$247,888/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,750
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$133,230
−HK$3,530/mo
Today · 4.125%
HK$136,760
baseline
▲ 0.50% · 4.625%
HK$143,969
+HK$7,209/mo
Deposit HK$2.84M · loan HK$25.57M · min. income ≈ HK$273,520/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,659 · Scale 2, in force from 26 Feb 2026)