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$64,643
−HK$4,054/mo
▼ 0.25% · 3.875%
HK$66,654
−HK$2,043/mo
Today · 4.125%
HK$68,697
baseline
▲ 0.50% · 4.625%
HK$72,877
+HK$4,180/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$137,394/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,915
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$73,844
−HK$1,956/mo
Today · 4.125%
HK$75,800
baseline
▲ 0.50% · 4.625%
HK$79,796
+HK$3,996/mo
Deposit HK$14.17M · loan HK$14.17M · min. income ≈ HK$151,600/mo (50% DSR)
Upfront cash ≈ HK$15.38M (deposit + AVD stamp duty HK$1,204,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,572
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$79,985
−HK$2,451/mo
Today · 4.125%
HK$82,436
baseline
▲ 0.50% · 4.625%
HK$87,452
+HK$5,016/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$164,872/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,298
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$88,612
−HK$2,348/mo
Today · 4.125%
HK$90,960
baseline
▲ 0.50% · 4.625%
HK$95,755
+HK$4,795/mo
Deposit HK$11.34M · loan HK$17.01M · min. income ≈ HK$181,920/mo (50% DSR)
Upfront cash ≈ HK$12.54M (deposit + AVD stamp duty HK$1,204,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,501
−HK$5,675/mo
▼ 0.25% · 3.875%
HK$93,316
−HK$2,860/mo
Today · 4.125%
HK$96,176
baseline
▲ 0.50% · 4.625%
HK$102,028
+HK$5,852/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$192,352/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,681
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$103,381
−HK$2,740/mo
Today · 4.125%
HK$106,121
baseline
▲ 0.50% · 4.625%
HK$111,714
+HK$5,593/mo
Deposit HK$8.50M · loan HK$19.84M · min. income ≈ HK$212,242/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$1,204,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,358
−HK$7,297/mo
▼ 0.25% · 3.875%
HK$119,977
−HK$3,678/mo
Today · 4.125%
HK$123,655
baseline
▲ 0.50% · 4.625%
HK$131,179
+HK$7,524/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$247,310/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,447
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$132,919
−HK$3,522/mo
Today · 4.125%
HK$136,441
baseline
▲ 0.50% · 4.625%
HK$143,633
+HK$7,192/mo
Deposit HK$2.83M · loan HK$25.51M · min. income ≈ HK$272,882/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,204,839 · Scale 2, in force from 26 Feb 2026)