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$64,441
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,445
−HK$2,036/mo
Today · 4.125%
HK$68,481
baseline
▲ 0.50% · 4.625%
HK$72,648
+HK$4,167/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,962/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,689
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,612
−HK$1,951/mo
Today · 4.125%
HK$75,563
baseline
▲ 0.50% · 4.625%
HK$79,546
+HK$3,983/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,126/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,329
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,734
−HK$2,444/mo
Today · 4.125%
HK$82,178
baseline
▲ 0.50% · 4.625%
HK$87,178
+HK$5,000/mo
Deposit HK$11.30M · loan HK$16.96M · min. income ≈ HK$164,356/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,027
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,335
−HK$2,340/mo
Today · 4.125%
HK$90,675
baseline
▲ 0.50% · 4.625%
HK$95,455
+HK$4,780/mo
Deposit HK$11.30M · loan HK$16.96M · min. income ≈ HK$181,350/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,217
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,023
−HK$2,851/mo
Today · 4.125%
HK$95,874
baseline
▲ 0.50% · 4.625%
HK$101,708
+HK$5,834/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,748/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,365
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,057
−HK$2,731/mo
Today · 4.125%
HK$105,788
baseline
▲ 0.50% · 4.625%
HK$111,364
+HK$5,576/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,576/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,993
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,601
−HK$3,666/mo
Today · 4.125%
HK$123,267
baseline
▲ 0.50% · 4.625%
HK$130,767
+HK$7,500/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$246,534/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,041
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$132,502
−HK$3,511/mo
Today · 4.125%
HK$136,013
baseline
▲ 0.50% · 4.625%
HK$143,182
+HK$7,169/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$272,026/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,059 · Scale 2, in force from 26 Feb 2026)