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$64,518
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,524
−HK$2,039/mo
Today · 4.125%
HK$68,563
baseline
▲ 0.50% · 4.625%
HK$72,735
+HK$4,172/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,126/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,775
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,700
−HK$1,953/mo
Today · 4.125%
HK$75,653
baseline
▲ 0.50% · 4.625%
HK$79,641
+HK$3,988/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,306/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,421
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,829
−HK$2,447/mo
Today · 4.125%
HK$82,276
baseline
▲ 0.50% · 4.625%
HK$87,282
+HK$5,006/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,552/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,130
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,440
−HK$2,343/mo
Today · 4.125%
HK$90,783
baseline
▲ 0.50% · 4.625%
HK$95,569
+HK$4,786/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,566/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,325
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,134
−HK$2,855/mo
Today · 4.125%
HK$95,989
baseline
▲ 0.50% · 4.625%
HK$101,829
+HK$5,840/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$191,978/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,485
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,180
−HK$2,734/mo
Today · 4.125%
HK$105,914
baseline
▲ 0.50% · 4.625%
HK$111,497
+HK$5,583/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,828/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,132
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,744
−HK$3,670/mo
Today · 4.125%
HK$123,414
baseline
▲ 0.50% · 4.625%
HK$130,923
+HK$7,509/mo
Deposit HK$2.83M · loan HK$25.46M · min. income ≈ HK$246,828/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,195
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,660
−HK$3,515/mo
Today · 4.125%
HK$136,175
baseline
▲ 0.50% · 4.625%
HK$143,353
+HK$7,178/mo
Deposit HK$2.83M · loan HK$25.46M · min. income ≈ HK$272,350/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,494 · Scale 2, in force from 26 Feb 2026)