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$64,770
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$66,784
−HK$2,047/mo
Today · 4.125%
HK$68,831
baseline
▲ 0.50% · 4.625%
HK$73,020
+HK$4,189/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$137,662/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,056
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$73,988
−HK$1,961/mo
Today · 4.125%
HK$75,949
baseline
▲ 0.50% · 4.625%
HK$79,952
+HK$4,003/mo
Deposit HK$14.20M · loan HK$14.20M · min. income ≈ HK$151,898/mo (50% DSR)
Upfront cash ≈ HK$15.41M (deposit + AVD stamp duty HK$1,207,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,724
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$80,141
−HK$2,457/mo
Today · 4.125%
HK$82,598
baseline
▲ 0.50% · 4.625%
HK$87,623
+HK$5,025/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$165,196/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,467
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$88,786
−HK$2,352/mo
Today · 4.125%
HK$91,138
baseline
▲ 0.50% · 4.625%
HK$95,942
+HK$4,804/mo
Deposit HK$11.36M · loan HK$17.04M · min. income ≈ HK$182,276/mo (50% DSR)
Upfront cash ≈ HK$12.57M (deposit + AVD stamp duty HK$1,207,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,678
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$93,498
−HK$2,866/mo
Today · 4.125%
HK$96,364
baseline
▲ 0.50% · 4.625%
HK$102,227
+HK$5,863/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$192,728/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,878
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$103,583
−HK$2,745/mo
Today · 4.125%
HK$106,328
baseline
▲ 0.50% · 4.625%
HK$111,933
+HK$5,605/mo
Deposit HK$8.52M · loan HK$19.88M · min. income ≈ HK$212,656/mo (50% DSR)
Upfront cash ≈ HK$9.73M (deposit + AVD stamp duty HK$1,207,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,585
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$120,212
−HK$3,684/mo
Today · 4.125%
HK$123,896
baseline
▲ 0.50% · 4.625%
HK$131,435
+HK$7,539/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$247,792/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,700
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$133,179
−HK$3,528/mo
Today · 4.125%
HK$136,707
baseline
▲ 0.50% · 4.625%
HK$143,913
+HK$7,206/mo
Deposit HK$2.84M · loan HK$25.56M · min. income ≈ HK$273,414/mo (50% DSR)
Upfront cash ≈ HK$4.05M (deposit + AVD stamp duty HK$1,207,194 · Scale 2, in force from 26 Feb 2026)