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$64,737
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$66,750
−HK$2,046/mo
Today · 4.125%
HK$68,796
baseline
▲ 0.50% · 4.625%
HK$72,982
+HK$4,186/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,592/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,019
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$73,950
−HK$1,960/mo
Today · 4.125%
HK$75,910
baseline
▲ 0.50% · 4.625%
HK$79,911
+HK$4,001/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,820/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,684
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$80,100
−HK$2,455/mo
Today · 4.125%
HK$82,555
baseline
▲ 0.50% · 4.625%
HK$87,579
+HK$5,024/mo
Deposit HK$11.36M · loan HK$17.03M · min. income ≈ HK$165,110/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,423
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$88,740
−HK$2,352/mo
Today · 4.125%
HK$91,092
baseline
▲ 0.50% · 4.625%
HK$95,893
+HK$4,801/mo
Deposit HK$11.36M · loan HK$17.03M · min. income ≈ HK$182,184/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,631
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$93,450
−HK$2,865/mo
Today · 4.125%
HK$96,315
baseline
▲ 0.50% · 4.625%
HK$102,175
+HK$5,860/mo
Deposit HK$8.52M · loan HK$19.87M · min. income ≈ HK$192,630/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,826
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$103,530
−HK$2,744/mo
Today · 4.125%
HK$106,274
baseline
▲ 0.50% · 4.625%
HK$111,876
+HK$5,602/mo
Deposit HK$8.52M · loan HK$19.87M · min. income ≈ HK$212,548/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,526
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$120,150
−HK$3,683/mo
Today · 4.125%
HK$123,833
baseline
▲ 0.50% · 4.625%
HK$131,368
+HK$7,535/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$247,666/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,634
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$133,111
−HK$3,527/mo
Today · 4.125%
HK$136,638
baseline
▲ 0.50% · 4.625%
HK$143,840
+HK$7,202/mo
Deposit HK$2.84M · loan HK$25.55M · min. income ≈ HK$273,276/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,206,578 · Scale 2, in force from 26 Feb 2026)