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$64,537
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,545
−HK$2,039/mo
Today · 4.125%
HK$68,584
baseline
▲ 0.50% · 4.625%
HK$72,757
+HK$4,173/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,168/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,797
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,722
−HK$1,954/mo
Today · 4.125%
HK$75,676
baseline
▲ 0.50% · 4.625%
HK$79,665
+HK$3,989/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,352/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,445
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,854
−HK$2,447/mo
Today · 4.125%
HK$82,301
baseline
▲ 0.50% · 4.625%
HK$87,309
+HK$5,008/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,602/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,156
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,467
−HK$2,344/mo
Today · 4.125%
HK$90,811
baseline
▲ 0.50% · 4.625%
HK$95,598
+HK$4,787/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,622/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,352
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,162
−HK$2,856/mo
Today · 4.125%
HK$96,018
baseline
▲ 0.50% · 4.625%
HK$101,860
+HK$5,842/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$192,036/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,516
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,211
−HK$2,735/mo
Today · 4.125%
HK$105,946
baseline
▲ 0.50% · 4.625%
HK$111,531
+HK$5,585/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,892/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,167
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$119,780
−HK$3,671/mo
Today · 4.125%
HK$123,451
baseline
▲ 0.50% · 4.625%
HK$130,963
+HK$7,512/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,902/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,234
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,700
−HK$3,517/mo
Today · 4.125%
HK$136,217
baseline
▲ 0.50% · 4.625%
HK$143,397
+HK$7,180/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,434/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,860 · Scale 2, in force from 26 Feb 2026)