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$64,405
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,408
−HK$2,035/mo
Today · 4.125%
HK$68,443
baseline
▲ 0.50% · 4.625%
HK$72,608
+HK$4,165/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,886/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,649
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,571
−HK$1,949/mo
Today · 4.125%
HK$75,520
baseline
▲ 0.50% · 4.625%
HK$79,501
+HK$3,981/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,040/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,286
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,690
−HK$2,442/mo
Today · 4.125%
HK$82,132
baseline
▲ 0.50% · 4.625%
HK$87,130
+HK$4,998/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,264/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,979
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,285
−HK$2,340/mo
Today · 4.125%
HK$90,625
baseline
▲ 0.50% · 4.625%
HK$95,402
+HK$4,777/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,250/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,166
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,971
−HK$2,850/mo
Today · 4.125%
HK$95,821
baseline
▲ 0.50% · 4.625%
HK$101,651
+HK$5,830/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,642/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,309
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,000
−HK$2,729/mo
Today · 4.125%
HK$105,729
baseline
▲ 0.50% · 4.625%
HK$111,302
+HK$5,573/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,458/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,928
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$119,534
−HK$3,664/mo
Today · 4.125%
HK$123,198
baseline
▲ 0.50% · 4.625%
HK$130,694
+HK$7,496/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,396/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,969
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,428
−HK$3,509/mo
Today · 4.125%
HK$135,937
baseline
▲ 0.50% · 4.625%
HK$143,102
+HK$7,165/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,874/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,390 · Scale 2, in force from 26 Feb 2026)