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$64,148
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,143
−HK$2,027/mo
Today · 4.125%
HK$68,170
baseline
▲ 0.50% · 4.625%
HK$72,318
+HK$4,148/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,340/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,364
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,278
−HK$1,941/mo
Today · 4.125%
HK$75,219
baseline
▲ 0.50% · 4.625%
HK$79,184
+HK$3,965/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,438/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,977
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,372
−HK$2,432/mo
Today · 4.125%
HK$81,804
baseline
▲ 0.50% · 4.625%
HK$86,782
+HK$4,978/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,608/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,636
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,933
−HK$2,330/mo
Today · 4.125%
HK$90,263
baseline
▲ 0.50% · 4.625%
HK$95,021
+HK$4,758/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,526/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,807
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,600
−HK$2,838/mo
Today · 4.125%
HK$95,438
baseline
▲ 0.50% · 4.625%
HK$101,246
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,876/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,909
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,589
−HK$2,718/mo
Today · 4.125%
HK$105,307
baseline
▲ 0.50% · 4.625%
HK$110,858
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,614/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,466
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,057
−HK$3,649/mo
Today · 4.125%
HK$122,706
baseline
▲ 0.50% · 4.625%
HK$130,173
+HK$7,467/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,412/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,454
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,900
−HK$3,494/mo
Today · 4.125%
HK$135,394
baseline
▲ 0.50% · 4.625%
HK$142,531
+HK$7,137/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,788/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,600 · Scale 2, in force from 26 Feb 2026)