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$64,454
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,459
−HK$2,037/mo
Today · 4.125%
HK$68,496
baseline
▲ 0.50% · 4.625%
HK$72,663
+HK$4,167/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,992/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,704
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,627
−HK$1,951/mo
Today · 4.125%
HK$75,578
baseline
▲ 0.50% · 4.625%
HK$79,562
+HK$3,984/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,156/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,344
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,750
−HK$2,445/mo
Today · 4.125%
HK$82,195
baseline
▲ 0.50% · 4.625%
HK$87,196
+HK$5,001/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$164,390/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,045
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,353
−HK$2,341/mo
Today · 4.125%
HK$90,694
baseline
▲ 0.50% · 4.625%
HK$95,474
+HK$4,780/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$181,388/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,235
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,042
−HK$2,852/mo
Today · 4.125%
HK$95,894
baseline
▲ 0.50% · 4.625%
HK$101,729
+HK$5,835/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$191,788/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,386
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,078
−HK$2,731/mo
Today · 4.125%
HK$105,809
baseline
▲ 0.50% · 4.625%
HK$111,387
+HK$5,578/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$211,618/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,017
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$119,625
−HK$3,667/mo
Today · 4.125%
HK$123,292
baseline
▲ 0.50% · 4.625%
HK$130,794
+HK$7,502/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$246,584/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,067
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$132,529
−HK$3,512/mo
Today · 4.125%
HK$136,041
baseline
▲ 0.50% · 4.625%
HK$143,211
+HK$7,170/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$272,082/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,305 · Scale 2, in force from 26 Feb 2026)