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$64,322
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,323
−HK$2,032/mo
Today · 4.125%
HK$68,355
baseline
▲ 0.50% · 4.625%
HK$72,515
+HK$4,160/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,710/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,557
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,476
−HK$1,947/mo
Today · 4.125%
HK$75,423
baseline
▲ 0.50% · 4.625%
HK$79,399
+HK$3,976/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,846/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,186
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,587
−HK$2,439/mo
Today · 4.125%
HK$82,026
baseline
▲ 0.50% · 4.625%
HK$87,017
+HK$4,991/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,052/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,869
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,172
−HK$2,336/mo
Today · 4.125%
HK$90,508
baseline
▲ 0.50% · 4.625%
HK$95,279
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$181,016/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,050
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,852
−HK$2,845/mo
Today · 4.125%
HK$95,697
baseline
▲ 0.50% · 4.625%
HK$101,520
+HK$5,823/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,394/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,180
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,867
−HK$2,726/mo
Today · 4.125%
HK$105,593
baseline
▲ 0.50% · 4.625%
HK$111,159
+HK$5,566/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,186/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,779
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,381
−HK$3,659/mo
Today · 4.125%
HK$123,040
baseline
▲ 0.50% · 4.625%
HK$130,526
+HK$7,486/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,080/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,803
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,258
−HK$3,504/mo
Today · 4.125%
HK$135,762
baseline
▲ 0.50% · 4.625%
HK$142,918
+HK$7,156/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,524/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,845 · Scale 2, in force from 26 Feb 2026)