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$64,428
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,432
−HK$2,036/mo
Today · 4.125%
HK$68,468
baseline
▲ 0.50% · 4.625%
HK$72,635
+HK$4,167/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,936/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,676
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,598
−HK$1,950/mo
Today · 4.125%
HK$75,548
baseline
▲ 0.50% · 4.625%
HK$79,530
+HK$3,982/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,096/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,314
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,719
−HK$2,443/mo
Today · 4.125%
HK$82,162
baseline
▲ 0.50% · 4.625%
HK$87,161
+HK$4,999/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,324/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,011
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,318
−HK$2,340/mo
Today · 4.125%
HK$90,658
baseline
▲ 0.50% · 4.625%
HK$95,436
+HK$4,778/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,316/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,199
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,005
−HK$2,851/mo
Today · 4.125%
HK$95,856
baseline
▲ 0.50% · 4.625%
HK$101,688
+HK$5,832/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,712/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,346
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,037
−HK$2,730/mo
Today · 4.125%
HK$105,767
baseline
▲ 0.50% · 4.625%
HK$111,342
+HK$5,575/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,534/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,971
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$119,578
−HK$3,665/mo
Today · 4.125%
HK$123,243
baseline
▲ 0.50% · 4.625%
HK$130,742
+HK$7,499/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$246,486/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,016
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,476
−HK$3,511/mo
Today · 4.125%
HK$135,987
baseline
▲ 0.50% · 4.625%
HK$143,155
+HK$7,168/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$271,974/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,829 · Scale 2, in force from 26 Feb 2026)