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$64,313
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,313
−HK$2,033/mo
Today · 4.125%
HK$68,346
baseline
▲ 0.50% · 4.625%
HK$72,505
+HK$4,159/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,692/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,547
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,466
−HK$1,947/mo
Today · 4.125%
HK$75,413
baseline
▲ 0.50% · 4.625%
HK$79,388
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,826/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,175
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,576
−HK$2,439/mo
Today · 4.125%
HK$82,015
baseline
▲ 0.50% · 4.625%
HK$87,005
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,030/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,857
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,160
−HK$2,336/mo
Today · 4.125%
HK$90,496
baseline
▲ 0.50% · 4.625%
HK$95,266
+HK$4,770/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,992/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,038
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,839
−HK$2,845/mo
Today · 4.125%
HK$95,684
baseline
▲ 0.50% · 4.625%
HK$101,506
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,368/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,166
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$102,853
−HK$2,725/mo
Today · 4.125%
HK$105,578
baseline
▲ 0.50% · 4.625%
HK$111,143
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,156/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,763
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,364
−HK$3,659/mo
Today · 4.125%
HK$123,023
baseline
▲ 0.50% · 4.625%
HK$130,508
+HK$7,485/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,046/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,785
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,239
−HK$3,504/mo
Today · 4.125%
HK$135,743
baseline
▲ 0.50% · 4.625%
HK$142,899
+HK$7,156/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,486/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,681 · Scale 2, in force from 26 Feb 2026)