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$64,842
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,859
−HK$2,049/mo
Today · 4.125%
HK$68,908
baseline
▲ 0.50% · 4.625%
HK$73,101
+HK$4,193/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,816/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,136
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,070
−HK$1,963/mo
Today · 4.125%
HK$76,033
baseline
▲ 0.50% · 4.625%
HK$80,041
+HK$4,008/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,066/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,810
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,230
−HK$2,459/mo
Today · 4.125%
HK$82,689
baseline
▲ 0.50% · 4.625%
HK$87,721
+HK$5,032/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$165,378/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,563
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$88,884
−HK$2,356/mo
Today · 4.125%
HK$91,240
baseline
▲ 0.50% · 4.625%
HK$96,049
+HK$4,809/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$182,480/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,778
−HK$5,693/mo
▼ 0.25% · 3.875%
HK$93,602
−HK$2,869/mo
Today · 4.125%
HK$96,471
baseline
▲ 0.50% · 4.625%
HK$102,341
+HK$5,870/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$192,942/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,990
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,699
−HK$2,747/mo
Today · 4.125%
HK$106,446
baseline
▲ 0.50% · 4.625%
HK$112,057
+HK$5,611/mo
Deposit HK$8.53M · loan HK$19.91M · min. income ≈ HK$212,892/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,715
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$120,346
−HK$3,688/mo
Today · 4.125%
HK$124,034
baseline
▲ 0.50% · 4.625%
HK$131,581
+HK$7,547/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$248,068/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,844
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,327
−HK$3,532/mo
Today · 4.125%
HK$136,859
baseline
▲ 0.50% · 4.625%
HK$144,073
+HK$7,214/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$273,718/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,537 · Scale 2, in force from 26 Feb 2026)