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$64,367
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,369
−HK$2,034/mo
Today · 4.125%
HK$68,403
baseline
▲ 0.50% · 4.625%
HK$72,565
+HK$4,162/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,806/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,607
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,528
−HK$1,948/mo
Today · 4.125%
HK$75,476
baseline
▲ 0.50% · 4.625%
HK$79,455
+HK$3,979/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,952/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,240
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,643
−HK$2,441/mo
Today · 4.125%
HK$82,084
baseline
▲ 0.50% · 4.625%
HK$87,078
+HK$4,994/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,168/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,929
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,233
−HK$2,338/mo
Today · 4.125%
HK$90,571
baseline
▲ 0.50% · 4.625%
HK$95,345
+HK$4,774/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,142/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,113
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,916
−HK$2,848/mo
Today · 4.125%
HK$95,764
baseline
▲ 0.50% · 4.625%
HK$101,591
+HK$5,827/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,528/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,250
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,939
−HK$2,728/mo
Today · 4.125%
HK$105,667
baseline
▲ 0.50% · 4.625%
HK$111,236
+HK$5,569/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,334/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,860
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,464
−HK$3,662/mo
Today · 4.125%
HK$123,126
baseline
▲ 0.50% · 4.625%
HK$130,618
+HK$7,492/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,252/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,893
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,350
−HK$3,507/mo
Today · 4.125%
HK$135,857
baseline
▲ 0.50% · 4.625%
HK$143,018
+HK$7,161/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,714/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,684 · Scale 2, in force from 26 Feb 2026)