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$64,386
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,388
−HK$2,035/mo
Today · 4.125%
HK$68,423
baseline
▲ 0.50% · 4.625%
HK$72,587
+HK$4,164/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,846/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,628
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,549
−HK$1,949/mo
Today · 4.125%
HK$75,498
baseline
▲ 0.50% · 4.625%
HK$79,478
+HK$3,980/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$150,996/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,263
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,666
−HK$2,442/mo
Today · 4.125%
HK$82,108
baseline
▲ 0.50% · 4.625%
HK$87,104
+HK$4,996/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,216/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,954
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,259
−HK$2,339/mo
Today · 4.125%
HK$90,598
baseline
▲ 0.50% · 4.625%
HK$95,373
+HK$4,775/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,196/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,140
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,944
−HK$2,848/mo
Today · 4.125%
HK$95,792
baseline
▲ 0.50% · 4.625%
HK$101,621
+HK$5,829/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,584/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,280
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,969
−HK$2,729/mo
Today · 4.125%
HK$105,698
baseline
▲ 0.50% · 4.625%
HK$111,269
+HK$5,571/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,396/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,894
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$119,499
−HK$3,663/mo
Today · 4.125%
HK$123,162
baseline
▲ 0.50% · 4.625%
HK$130,656
+HK$7,494/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,324/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,931
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$132,389
−HK$3,508/mo
Today · 4.125%
HK$135,897
baseline
▲ 0.50% · 4.625%
HK$143,060
+HK$7,163/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,794/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,037 · Scale 2, in force from 26 Feb 2026)