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$64,608
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$66,618
−HK$2,042/mo
Today · 4.125%
HK$68,660
baseline
▲ 0.50% · 4.625%
HK$72,838
+HK$4,178/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,320/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,876
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$73,804
−HK$1,955/mo
Today · 4.125%
HK$75,759
baseline
▲ 0.50% · 4.625%
HK$79,753
+HK$3,994/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,518/mo (50% DSR)
Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,204,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,530
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$79,942
−HK$2,450/mo
Today · 4.125%
HK$82,392
baseline
▲ 0.50% · 4.625%
HK$87,405
+HK$5,013/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$164,784/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,251
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$88,565
−HK$2,346/mo
Today · 4.125%
HK$90,911
baseline
▲ 0.50% · 4.625%
HK$95,703
+HK$4,792/mo
Deposit HK$11.33M · loan HK$17.00M · min. income ≈ HK$181,822/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,452
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$93,265
−HK$2,859/mo
Today · 4.125%
HK$96,124
baseline
▲ 0.50% · 4.625%
HK$101,973
+HK$5,849/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$192,248/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,627
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$103,325
−HK$2,738/mo
Today · 4.125%
HK$106,063
baseline
▲ 0.50% · 4.625%
HK$111,654
+HK$5,591/mo
Deposit HK$8.50M · loan HK$19.83M · min. income ≈ HK$212,126/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,204,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,295
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$119,913
−HK$3,675/mo
Today · 4.125%
HK$123,588
baseline
▲ 0.50% · 4.625%
HK$131,108
+HK$7,520/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$247,176/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,377
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$132,847
−HK$3,520/mo
Today · 4.125%
HK$136,367
baseline
▲ 0.50% · 4.625%
HK$143,555
+HK$7,188/mo
Deposit HK$2.83M · loan HK$25.50M · min. income ≈ HK$272,734/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,188 · Scale 2, in force from 26 Feb 2026)