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$64,875
−HK$4,068/mo
▼ 0.25% · 3.875%
HK$66,893
−HK$2,050/mo
Today · 4.125%
HK$68,943
baseline
▲ 0.50% · 4.625%
HK$73,138
+HK$4,195/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$137,886/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,209,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,173
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$74,108
−HK$1,964/mo
Today · 4.125%
HK$76,072
baseline
▲ 0.50% · 4.625%
HK$80,082
+HK$4,010/mo
Deposit HK$14.23M · loan HK$14.23M · min. income ≈ HK$152,144/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,209,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,850
−HK$4,882/mo
▼ 0.25% · 3.875%
HK$80,272
−HK$2,460/mo
Today · 4.125%
HK$82,732
baseline
▲ 0.50% · 4.625%
HK$87,766
+HK$5,034/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$165,464/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,607
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$88,930
−HK$2,356/mo
Today · 4.125%
HK$91,286
baseline
▲ 0.50% · 4.625%
HK$96,098
+HK$4,812/mo
Deposit HK$11.38M · loan HK$17.07M · min. income ≈ HK$182,572/mo (50% DSR)
Upfront cash ≈ HK$12.59M (deposit + AVD stamp duty HK$1,209,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,825
−HK$5,696/mo
▼ 0.25% · 3.875%
HK$93,650
−HK$2,871/mo
Today · 4.125%
HK$96,521
baseline
▲ 0.50% · 4.625%
HK$102,394
+HK$5,873/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$193,042/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,209,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,042
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$103,752
−HK$2,749/mo
Today · 4.125%
HK$106,501
baseline
▲ 0.50% · 4.625%
HK$112,115
+HK$5,614/mo
Deposit HK$8.54M · loan HK$19.92M · min. income ≈ HK$213,002/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,209,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,775
−HK$7,323/mo
▼ 0.25% · 3.875%
HK$120,407
−HK$3,691/mo
Today · 4.125%
HK$124,098
baseline
▲ 0.50% · 4.625%
HK$131,649
+HK$7,551/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$248,196/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,911
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$133,395
−HK$3,535/mo
Today · 4.125%
HK$136,930
baseline
▲ 0.50% · 4.625%
HK$144,147
+HK$7,217/mo
Deposit HK$2.85M · loan HK$25.61M · min. income ≈ HK$273,860/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,209,157 · Scale 2, in force from 26 Feb 2026)