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$64,547
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,555
−HK$2,040/mo
Today · 4.125%
HK$68,595
baseline
▲ 0.50% · 4.625%
HK$72,769
+HK$4,174/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,190/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,808
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,734
−HK$1,954/mo
Today · 4.125%
HK$75,688
baseline
▲ 0.50% · 4.625%
HK$79,677
+HK$3,989/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,376/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,457
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,866
−HK$2,448/mo
Today · 4.125%
HK$82,314
baseline
▲ 0.50% · 4.625%
HK$87,322
+HK$5,008/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,628/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,170
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,481
−HK$2,344/mo
Today · 4.125%
HK$90,825
baseline
▲ 0.50% · 4.625%
HK$95,613
+HK$4,788/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,650/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,366
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,177
−HK$2,856/mo
Today · 4.125%
HK$96,033
baseline
▲ 0.50% · 4.625%
HK$101,876
+HK$5,843/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$192,066/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,531
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$103,227
−HK$2,736/mo
Today · 4.125%
HK$105,963
baseline
▲ 0.50% · 4.625%
HK$111,548
+HK$5,585/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,926/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,185
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,799
−HK$3,672/mo
Today · 4.125%
HK$123,471
baseline
▲ 0.50% · 4.625%
HK$130,983
+HK$7,512/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$246,942/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,254
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,721
−HK$3,517/mo
Today · 4.125%
HK$136,238
baseline
▲ 0.50% · 4.625%
HK$143,419
+HK$7,181/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$272,476/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,046 · Scale 2, in force from 26 Feb 2026)