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$64,840
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$66,857
−HK$2,049/mo
Today · 4.125%
HK$68,906
baseline
▲ 0.50% · 4.625%
HK$73,099
+HK$4,193/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$137,812/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,134
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$74,068
−HK$1,963/mo
Today · 4.125%
HK$76,031
baseline
▲ 0.50% · 4.625%
HK$80,039
+HK$4,008/mo
Deposit HK$14.22M · loan HK$14.22M · min. income ≈ HK$152,062/mo (50% DSR)
Upfront cash ≈ HK$15.43M (deposit + AVD stamp duty HK$1,208,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,808
−HK$4,879/mo
▼ 0.25% · 3.875%
HK$80,228
−HK$2,459/mo
Today · 4.125%
HK$82,687
baseline
▲ 0.50% · 4.625%
HK$87,718
+HK$5,031/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$165,374/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,561
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,882
−HK$2,355/mo
Today · 4.125%
HK$91,237
baseline
▲ 0.50% · 4.625%
HK$96,046
+HK$4,809/mo
Deposit HK$11.37M · loan HK$17.06M · min. income ≈ HK$182,474/mo (50% DSR)
Upfront cash ≈ HK$12.58M (deposit + AVD stamp duty HK$1,208,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,776
−HK$5,692/mo
▼ 0.25% · 3.875%
HK$93,600
−HK$2,868/mo
Today · 4.125%
HK$96,468
baseline
▲ 0.50% · 4.625%
HK$102,338
+HK$5,870/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$192,936/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,987
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$103,696
−HK$2,747/mo
Today · 4.125%
HK$106,443
baseline
▲ 0.50% · 4.625%
HK$112,054
+HK$5,611/mo
Deposit HK$8.53M · loan HK$19.90M · min. income ≈ HK$212,886/mo (50% DSR)
Upfront cash ≈ HK$9.74M (deposit + AVD stamp duty HK$1,208,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,712
−HK$7,319/mo
▼ 0.25% · 3.875%
HK$120,342
−HK$3,689/mo
Today · 4.125%
HK$124,031
baseline
▲ 0.50% · 4.625%
HK$131,578
+HK$7,547/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$248,062/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,841
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$133,323
−HK$3,533/mo
Today · 4.125%
HK$136,856
baseline
▲ 0.50% · 4.625%
HK$144,069
+HK$7,213/mo
Deposit HK$2.84M · loan HK$25.59M · min. income ≈ HK$273,712/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,208,503 · Scale 2, in force from 26 Feb 2026)