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$64,339
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,340
−HK$2,033/mo
Today · 4.125%
HK$68,373
baseline
▲ 0.50% · 4.625%
HK$72,534
+HK$4,161/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,746/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,576
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,496
−HK$1,947/mo
Today · 4.125%
HK$75,443
baseline
▲ 0.50% · 4.625%
HK$79,420
+HK$3,977/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,886/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,206
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$79,608
−HK$2,440/mo
Today · 4.125%
HK$82,048
baseline
▲ 0.50% · 4.625%
HK$87,040
+HK$4,992/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,096/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,891
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,195
−HK$2,337/mo
Today · 4.125%
HK$90,532
baseline
▲ 0.50% · 4.625%
HK$95,304
+HK$4,772/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,064/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,074
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,876
−HK$2,847/mo
Today · 4.125%
HK$95,723
baseline
▲ 0.50% · 4.625%
HK$101,547
+HK$5,824/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,446/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,207
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,894
−HK$2,726/mo
Today · 4.125%
HK$105,620
baseline
▲ 0.50% · 4.625%
HK$111,188
+HK$5,568/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,240/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,810
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,412
−HK$3,660/mo
Today · 4.125%
HK$123,072
baseline
▲ 0.50% · 4.625%
HK$130,561
+HK$7,489/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,144/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,837
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$132,292
−HK$3,506/mo
Today · 4.125%
HK$135,798
baseline
▲ 0.50% · 4.625%
HK$142,956
+HK$7,158/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,596/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,161 · Scale 2, in force from 26 Feb 2026)