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$64,368
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,370
−HK$2,034/mo
Today · 4.125%
HK$68,404
baseline
▲ 0.50% · 4.625%
HK$72,567
+HK$4,163/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,808/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,609
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,529
−HK$1,949/mo
Today · 4.125%
HK$75,478
baseline
▲ 0.50% · 4.625%
HK$79,456
+HK$3,978/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,956/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,242
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,644
−HK$2,441/mo
Today · 4.125%
HK$82,085
baseline
▲ 0.50% · 4.625%
HK$87,080
+HK$4,995/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,170/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,931
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,235
−HK$2,338/mo
Today · 4.125%
HK$90,573
baseline
▲ 0.50% · 4.625%
HK$95,347
+HK$4,774/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,146/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,115
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,918
−HK$2,848/mo
Today · 4.125%
HK$95,766
baseline
▲ 0.50% · 4.625%
HK$101,593
+HK$5,827/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,532/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,252
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,941
−HK$2,728/mo
Today · 4.125%
HK$105,669
baseline
▲ 0.50% · 4.625%
HK$111,239
+HK$5,570/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,338/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,862
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,466
−HK$3,662/mo
Today · 4.125%
HK$123,128
baseline
▲ 0.50% · 4.625%
HK$130,620
+HK$7,492/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,256/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,896
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,353
−HK$3,507/mo
Today · 4.125%
HK$135,860
baseline
▲ 0.50% · 4.625%
HK$143,021
+HK$7,161/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,720/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,708 · Scale 2, in force from 26 Feb 2026)