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$64,238
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,236
−HK$2,031/mo
Today · 4.125%
HK$68,267
baseline
▲ 0.50% · 4.625%
HK$72,420
+HK$4,153/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,534/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,464
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,381
−HK$1,944/mo
Today · 4.125%
HK$75,325
baseline
▲ 0.50% · 4.625%
HK$79,296
+HK$3,971/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,650/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,086
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,484
−HK$2,436/mo
Today · 4.125%
HK$81,920
baseline
▲ 0.50% · 4.625%
HK$86,905
+HK$4,985/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,840/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,757
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,057
−HK$2,334/mo
Today · 4.125%
HK$90,391
baseline
▲ 0.50% · 4.625%
HK$95,155
+HK$4,764/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,782/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,934
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,731
−HK$2,842/mo
Today · 4.125%
HK$95,573
baseline
▲ 0.50% · 4.625%
HK$101,389
+HK$5,816/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,146/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,050
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,734
−HK$2,722/mo
Today · 4.125%
HK$105,456
baseline
▲ 0.50% · 4.625%
HK$111,014
+HK$5,558/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,912/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,629
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,226
−HK$3,654/mo
Today · 4.125%
HK$122,880
baseline
▲ 0.50% · 4.625%
HK$130,357
+HK$7,477/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,760/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,636
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,086
−HK$3,500/mo
Today · 4.125%
HK$135,586
baseline
▲ 0.50% · 4.625%
HK$142,733
+HK$7,147/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,172/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,290 · Scale 2, in force from 26 Feb 2026)