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$64,550
−HK$4,048/mo
▼ 0.25% · 3.875%
HK$66,558
−HK$2,040/mo
Today · 4.125%
HK$68,598
baseline
▲ 0.50% · 4.625%
HK$72,772
+HK$4,174/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,196/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,811
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$73,737
−HK$1,954/mo
Today · 4.125%
HK$75,691
baseline
▲ 0.50% · 4.625%
HK$79,681
+HK$3,990/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,382/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,203,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,460
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,869
−HK$2,448/mo
Today · 4.125%
HK$82,317
baseline
▲ 0.50% · 4.625%
HK$87,326
+HK$5,009/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,634/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,173
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,485
−HK$2,344/mo
Today · 4.125%
HK$90,829
baseline
▲ 0.50% · 4.625%
HK$95,617
+HK$4,788/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,658/mo (50% DSR)
Upfront cash ≈ HK$12.53M (deposit + AVD stamp duty HK$1,203,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,370
−HK$5,667/mo
▼ 0.25% · 3.875%
HK$93,181
−HK$2,856/mo
Today · 4.125%
HK$96,037
baseline
▲ 0.50% · 4.625%
HK$101,881
+HK$5,844/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$192,074/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,536
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,232
−HK$2,735/mo
Today · 4.125%
HK$105,967
baseline
▲ 0.50% · 4.625%
HK$111,553
+HK$5,586/mo
Deposit HK$8.49M · loan HK$19.82M · min. income ≈ HK$211,934/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$1,203,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,190
−HK$7,286/mo
▼ 0.25% · 3.875%
HK$119,804
−HK$3,672/mo
Today · 4.125%
HK$123,476
baseline
▲ 0.50% · 4.625%
HK$130,989
+HK$7,513/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$246,952/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,260
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$132,727
−HK$3,517/mo
Today · 4.125%
HK$136,244
baseline
▲ 0.50% · 4.625%
HK$143,425
+HK$7,181/mo
Deposit HK$2.83M · loan HK$25.48M · min. income ≈ HK$272,488/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,203,099 · Scale 2, in force from 26 Feb 2026)