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$64,487
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,493
−HK$2,038/mo
Today · 4.125%
HK$68,531
baseline
▲ 0.50% · 4.625%
HK$72,701
+HK$4,170/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$137,062/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,741
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,665
−HK$1,952/mo
Today · 4.125%
HK$75,617
baseline
▲ 0.50% · 4.625%
HK$79,603
+HK$3,986/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$151,234/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,384
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,791
−HK$2,446/mo
Today · 4.125%
HK$82,237
baseline
▲ 0.50% · 4.625%
HK$87,241
+HK$5,004/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$164,474/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,089
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,398
−HK$2,342/mo
Today · 4.125%
HK$90,740
baseline
▲ 0.50% · 4.625%
HK$95,523
+HK$4,783/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$181,480/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,281
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,090
−HK$2,853/mo
Today · 4.125%
HK$95,943
baseline
▲ 0.50% · 4.625%
HK$101,781
+HK$5,838/mo
Deposit HK$8.48M · loan HK$19.80M · min. income ≈ HK$191,886/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,201,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,437
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,131
−HK$2,733/mo
Today · 4.125%
HK$105,864
baseline
▲ 0.50% · 4.625%
HK$111,444
+HK$5,580/mo
Deposit HK$8.48M · loan HK$19.80M · min. income ≈ HK$211,728/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,201,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,076
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$119,687
−HK$3,668/mo
Today · 4.125%
HK$123,355
baseline
▲ 0.50% · 4.625%
HK$130,861
+HK$7,506/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$246,710/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,134
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$132,597
−HK$3,513/mo
Today · 4.125%
HK$136,110
baseline
▲ 0.50% · 4.625%
HK$143,285
+HK$7,175/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$272,220/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,921 · Scale 2, in force from 26 Feb 2026)