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$64,315
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,316
−HK$2,033/mo
Today · 4.125%
HK$68,349
baseline
▲ 0.50% · 4.625%
HK$72,507
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,698/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,550
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,469
−HK$1,947/mo
Today · 4.125%
HK$75,416
baseline
▲ 0.50% · 4.625%
HK$79,391
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,832/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,179
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,579
−HK$2,439/mo
Today · 4.125%
HK$82,018
baseline
▲ 0.50% · 4.625%
HK$87,009
+HK$4,991/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,036/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,860
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,163
−HK$2,336/mo
Today · 4.125%
HK$90,499
baseline
▲ 0.50% · 4.625%
HK$95,269
+HK$4,770/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,998/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,042
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,842
−HK$2,846/mo
Today · 4.125%
HK$95,688
baseline
▲ 0.50% · 4.625%
HK$101,510
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,376/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,170
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,857
−HK$2,725/mo
Today · 4.125%
HK$105,582
baseline
▲ 0.50% · 4.625%
HK$111,148
+HK$5,566/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,164/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,768
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,369
−HK$3,658/mo
Today · 4.125%
HK$123,027
baseline
▲ 0.50% · 4.625%
HK$130,513
+HK$7,486/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,054/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,791
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,245
−HK$3,504/mo
Today · 4.125%
HK$135,749
baseline
▲ 0.50% · 4.625%
HK$142,904
+HK$7,155/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,498/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,728 · Scale 2, in force from 26 Feb 2026)