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$64,223
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,220
−HK$2,030/mo
Today · 4.125%
HK$68,250
baseline
▲ 0.50% · 4.625%
HK$72,403
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,500/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,447
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,363
−HK$1,944/mo
Today · 4.125%
HK$75,307
baseline
▲ 0.50% · 4.625%
HK$79,277
+HK$3,970/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,614/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,067
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,464
−HK$2,436/mo
Today · 4.125%
HK$81,900
baseline
▲ 0.50% · 4.625%
HK$86,883
+HK$4,983/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,800/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,736
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,036
−HK$2,332/mo
Today · 4.125%
HK$90,368
baseline
▲ 0.50% · 4.625%
HK$95,132
+HK$4,764/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,736/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,912
−HK$5,638/mo
▼ 0.25% · 3.875%
HK$92,708
−HK$2,842/mo
Today · 4.125%
HK$95,550
baseline
▲ 0.50% · 4.625%
HK$101,364
+HK$5,814/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,100/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,196,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,026
−HK$5,404/mo
▼ 0.25% · 3.875%
HK$102,708
−HK$2,722/mo
Today · 4.125%
HK$105,430
baseline
▲ 0.50% · 4.625%
HK$110,987
+HK$5,557/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,860/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,196,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,601
−HK$7,249/mo
▼ 0.25% · 3.875%
HK$119,197
−HK$3,653/mo
Today · 4.125%
HK$122,850
baseline
▲ 0.50% · 4.625%
HK$130,325
+HK$7,475/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,700/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,605
−HK$6,948/mo
▼ 0.25% · 3.875%
HK$132,054
−HK$3,499/mo
Today · 4.125%
HK$135,553
baseline
▲ 0.50% · 4.625%
HK$142,698
+HK$7,145/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,106/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,998 · Scale 2, in force from 26 Feb 2026)