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$64,296
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,296
−HK$2,032/mo
Today · 4.125%
HK$68,328
baseline
▲ 0.50% · 4.625%
HK$72,486
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,656/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,529
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,447
−HK$1,947/mo
Today · 4.125%
HK$75,394
baseline
▲ 0.50% · 4.625%
HK$79,368
+HK$3,974/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,788/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,156
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,556
−HK$2,438/mo
Today · 4.125%
HK$81,994
baseline
▲ 0.50% · 4.625%
HK$86,983
+HK$4,989/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$163,988/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,835
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,137
−HK$2,335/mo
Today · 4.125%
HK$90,472
baseline
▲ 0.50% · 4.625%
HK$95,241
+HK$4,769/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,944/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,015
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,815
−HK$2,845/mo
Today · 4.125%
HK$95,660
baseline
▲ 0.50% · 4.625%
HK$101,480
+HK$5,820/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,320/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,141
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,826
−HK$2,725/mo
Today · 4.125%
HK$105,551
baseline
▲ 0.50% · 4.625%
HK$111,115
+HK$5,564/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,102/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,733
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,333
−HK$3,658/mo
Today · 4.125%
HK$122,991
baseline
▲ 0.50% · 4.625%
HK$130,475
+HK$7,484/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$245,982/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,752
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,205
−HK$3,503/mo
Today · 4.125%
HK$135,708
baseline
▲ 0.50% · 4.625%
HK$142,862
+HK$7,154/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,416/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,373 · Scale 2, in force from 26 Feb 2026)