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$64,472
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,477
−HK$2,038/mo
Today · 4.125%
HK$68,515
baseline
▲ 0.50% · 4.625%
HK$72,684
+HK$4,169/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$137,030/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,724
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,648
−HK$1,951/mo
Today · 4.125%
HK$75,599
baseline
▲ 0.50% · 4.625%
HK$79,584
+HK$3,985/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$151,198/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,366
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,773
−HK$2,445/mo
Today · 4.125%
HK$82,218
baseline
▲ 0.50% · 4.625%
HK$87,220
+HK$5,002/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$164,436/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,069
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,377
−HK$2,342/mo
Today · 4.125%
HK$90,719
baseline
▲ 0.50% · 4.625%
HK$95,501
+HK$4,782/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$181,438/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,261
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,068
−HK$2,853/mo
Today · 4.125%
HK$95,921
baseline
▲ 0.50% · 4.625%
HK$101,757
+HK$5,836/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$191,842/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,414
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$103,107
−HK$2,732/mo
Today · 4.125%
HK$105,839
baseline
▲ 0.50% · 4.625%
HK$111,418
+HK$5,579/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$211,678/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,049
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$119,659
−HK$3,668/mo
Today · 4.125%
HK$123,327
baseline
▲ 0.50% · 4.625%
HK$130,831
+HK$7,504/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$246,654/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,104
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$132,566
−HK$3,513/mo
Today · 4.125%
HK$136,079
baseline
▲ 0.50% · 4.625%
HK$143,252
+HK$7,173/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$272,158/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,643 · Scale 2, in force from 26 Feb 2026)