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$64,521
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,528
−HK$2,039/mo
Today · 4.125%
HK$68,567
baseline
▲ 0.50% · 4.625%
HK$72,739
+HK$4,172/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,134/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,779
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,704
−HK$1,953/mo
Today · 4.125%
HK$75,657
baseline
▲ 0.50% · 4.625%
HK$79,645
+HK$3,988/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,314/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,425
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,833
−HK$2,447/mo
Today · 4.125%
HK$82,280
baseline
▲ 0.50% · 4.625%
HK$87,287
+HK$5,007/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,560/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,134
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,445
−HK$2,343/mo
Today · 4.125%
HK$90,788
baseline
▲ 0.50% · 4.625%
HK$95,574
+HK$4,786/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,576/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,329
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,139
−HK$2,855/mo
Today · 4.125%
HK$95,994
baseline
▲ 0.50% · 4.625%
HK$101,835
+HK$5,841/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$191,988/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,490
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,185
−HK$2,734/mo
Today · 4.125%
HK$105,919
baseline
▲ 0.50% · 4.625%
HK$111,503
+HK$5,584/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,838/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,137
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$119,750
−HK$3,670/mo
Today · 4.125%
HK$123,420
baseline
▲ 0.50% · 4.625%
HK$130,930
+HK$7,510/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,840/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,202
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,667
−HK$3,515/mo
Today · 4.125%
HK$136,182
baseline
▲ 0.50% · 4.625%
HK$143,360
+HK$7,178/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,364/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,556 · Scale 2, in force from 26 Feb 2026)