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$64,351
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,353
−HK$2,033/mo
Today · 4.125%
HK$68,386
baseline
▲ 0.50% · 4.625%
HK$72,547
+HK$4,161/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,772/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,590
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,510
−HK$1,948/mo
Today · 4.125%
HK$75,458
baseline
▲ 0.50% · 4.625%
HK$79,435
+HK$3,977/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,916/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,221
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,623
−HK$2,441/mo
Today · 4.125%
HK$82,064
baseline
▲ 0.50% · 4.625%
HK$87,057
+HK$4,993/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,128/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,908
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,212
−HK$2,337/mo
Today · 4.125%
HK$90,549
baseline
▲ 0.50% · 4.625%
HK$95,322
+HK$4,773/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,098/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,091
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,894
−HK$2,847/mo
Today · 4.125%
HK$95,741
baseline
▲ 0.50% · 4.625%
HK$101,566
+HK$5,825/mo
Deposit HK$8.47M · loan HK$19.75M · min. income ≈ HK$191,482/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,226
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,914
−HK$2,727/mo
Today · 4.125%
HK$105,641
baseline
▲ 0.50% · 4.625%
HK$111,209
+HK$5,568/mo
Deposit HK$8.47M · loan HK$19.75M · min. income ≈ HK$211,282/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,832
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$119,435
−HK$3,660/mo
Today · 4.125%
HK$123,095
baseline
▲ 0.50% · 4.625%
HK$130,585
+HK$7,490/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,190/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,862
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$132,318
−HK$3,506/mo
Today · 4.125%
HK$135,824
baseline
▲ 0.50% · 4.625%
HK$142,983
+HK$7,159/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,648/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,389 · Scale 2, in force from 26 Feb 2026)