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$64,572
−HK$4,049/mo
▼ 0.25% · 3.875%
HK$66,580
−HK$2,041/mo
Today · 4.125%
HK$68,621
baseline
▲ 0.50% · 4.625%
HK$72,796
+HK$4,175/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$137,242/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,835
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$73,762
−HK$1,954/mo
Today · 4.125%
HK$75,716
baseline
▲ 0.50% · 4.625%
HK$79,707
+HK$3,991/mo
Deposit HK$14.16M · loan HK$14.16M · min. income ≈ HK$151,432/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,486
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$79,896
−HK$2,449/mo
Today · 4.125%
HK$82,345
baseline
▲ 0.50% · 4.625%
HK$87,355
+HK$5,010/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$164,690/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,202
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$88,514
−HK$2,346/mo
Today · 4.125%
HK$90,860
baseline
▲ 0.50% · 4.625%
HK$95,649
+HK$4,789/mo
Deposit HK$11.33M · loan HK$16.99M · min. income ≈ HK$181,720/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,400
−HK$5,669/mo
▼ 0.25% · 3.875%
HK$93,212
−HK$2,857/mo
Today · 4.125%
HK$96,069
baseline
▲ 0.50% · 4.625%
HK$101,915
+HK$5,846/mo
Deposit HK$8.50M · loan HK$19.82M · min. income ≈ HK$192,138/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,569
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$103,267
−HK$2,736/mo
Today · 4.125%
HK$106,003
baseline
▲ 0.50% · 4.625%
HK$111,590
+HK$5,587/mo
Deposit HK$8.50M · loan HK$19.82M · min. income ≈ HK$212,006/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,229
−HK$7,288/mo
▼ 0.25% · 3.875%
HK$119,844
−HK$3,673/mo
Today · 4.125%
HK$123,517
baseline
▲ 0.50% · 4.625%
HK$131,033
+HK$7,516/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$247,034/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,303
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$132,771
−HK$3,518/mo
Today · 4.125%
HK$136,289
baseline
▲ 0.50% · 4.625%
HK$143,473
+HK$7,184/mo
Deposit HK$2.83M · loan HK$25.49M · min. income ≈ HK$272,578/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,203,503 · Scale 2, in force from 26 Feb 2026)