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$64,746
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$66,760
−HK$2,046/mo
Today · 4.125%
HK$68,806
baseline
▲ 0.50% · 4.625%
HK$72,993
+HK$4,187/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,612/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,029
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$73,961
−HK$1,960/mo
Today · 4.125%
HK$75,921
baseline
▲ 0.50% · 4.625%
HK$79,923
+HK$4,002/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,842/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,695
−HK$4,873/mo
▼ 0.25% · 3.875%
HK$80,112
−HK$2,456/mo
Today · 4.125%
HK$82,568
baseline
▲ 0.50% · 4.625%
HK$87,592
+HK$5,024/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$165,136/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,435
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$88,753
−HK$2,352/mo
Today · 4.125%
HK$91,105
baseline
▲ 0.50% · 4.625%
HK$95,907
+HK$4,802/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$182,210/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,645
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,464
−HK$2,865/mo
Today · 4.125%
HK$96,329
baseline
▲ 0.50% · 4.625%
HK$102,190
+HK$5,861/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$192,658/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,206,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,841
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,546
−HK$2,743/mo
Today · 4.125%
HK$106,289
baseline
▲ 0.50% · 4.625%
HK$111,892
+HK$5,603/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$212,578/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,206,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,543
−HK$7,308/mo
▼ 0.25% · 3.875%
HK$120,168
−HK$3,683/mo
Today · 4.125%
HK$123,851
baseline
▲ 0.50% · 4.625%
HK$131,387
+HK$7,536/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$247,702/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,653
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$133,130
−HK$3,528/mo
Today · 4.125%
HK$136,658
baseline
▲ 0.50% · 4.625%
HK$143,861
+HK$7,203/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$273,316/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,755 · Scale 2, in force from 26 Feb 2026)