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$64,714
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,727
−HK$2,045/mo
Today · 4.125%
HK$68,772
baseline
▲ 0.50% · 4.625%
HK$72,957
+HK$4,185/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$137,544/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,994
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$73,925
−HK$1,958/mo
Today · 4.125%
HK$75,883
baseline
▲ 0.50% · 4.625%
HK$79,883
+HK$4,000/mo
Deposit HK$14.19M · loan HK$14.19M · min. income ≈ HK$151,766/mo (50% DSR)
Upfront cash ≈ HK$15.40M (deposit + AVD stamp duty HK$1,206,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,657
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$80,072
−HK$2,455/mo
Today · 4.125%
HK$82,527
baseline
▲ 0.50% · 4.625%
HK$87,548
+HK$5,021/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$165,054/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,392
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$88,709
−HK$2,351/mo
Today · 4.125%
HK$91,060
baseline
▲ 0.50% · 4.625%
HK$95,860
+HK$4,800/mo
Deposit HK$11.35M · loan HK$17.03M · min. income ≈ HK$182,120/mo (50% DSR)
Upfront cash ≈ HK$12.56M (deposit + AVD stamp duty HK$1,206,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,600
−HK$5,681/mo
▼ 0.25% · 3.875%
HK$93,418
−HK$2,863/mo
Today · 4.125%
HK$96,281
baseline
▲ 0.50% · 4.625%
HK$102,140
+HK$5,859/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$192,562/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,791
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$103,494
−HK$2,743/mo
Today · 4.125%
HK$106,237
baseline
▲ 0.50% · 4.625%
HK$111,837
+HK$5,600/mo
Deposit HK$8.51M · loan HK$19.87M · min. income ≈ HK$212,474/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$1,206,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,485
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$120,109
−HK$3,681/mo
Today · 4.125%
HK$123,790
baseline
▲ 0.50% · 4.625%
HK$131,322
+HK$7,532/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$247,580/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,589
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$133,064
−HK$3,526/mo
Today · 4.125%
HK$136,590
baseline
▲ 0.50% · 4.625%
HK$143,790
+HK$7,200/mo
Deposit HK$2.84M · loan HK$25.54M · min. income ≈ HK$273,180/mo (50% DSR)
Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$1,206,157 · Scale 2, in force from 26 Feb 2026)