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$64,543
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,550
−HK$2,040/mo
Today · 4.125%
HK$68,590
baseline
▲ 0.50% · 4.625%
HK$72,763
+HK$4,173/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,180/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,202,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,803
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,729
−HK$1,953/mo
Today · 4.125%
HK$75,682
baseline
▲ 0.50% · 4.625%
HK$79,672
+HK$3,990/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,364/mo (50% DSR)
Upfront cash ≈ HK$15.36M (deposit + AVD stamp duty HK$1,202,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,451
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,860
−HK$2,448/mo
Today · 4.125%
HK$82,308
baseline
▲ 0.50% · 4.625%
HK$87,316
+HK$5,008/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,616/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,163
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$88,474
−HK$2,345/mo
Today · 4.125%
HK$90,819
baseline
▲ 0.50% · 4.625%
HK$95,606
+HK$4,787/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,638/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,360
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,170
−HK$2,856/mo
Today · 4.125%
HK$96,026
baseline
▲ 0.50% · 4.625%
HK$101,869
+HK$5,843/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$192,052/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,524
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,220
−HK$2,735/mo
Today · 4.125%
HK$105,955
baseline
▲ 0.50% · 4.625%
HK$111,540
+HK$5,585/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,910/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,177
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,790
−HK$3,672/mo
Today · 4.125%
HK$123,462
baseline
▲ 0.50% · 4.625%
HK$130,974
+HK$7,512/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,924/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,245
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,712
−HK$3,516/mo
Today · 4.125%
HK$136,228
baseline
▲ 0.50% · 4.625%
HK$143,409
+HK$7,181/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,456/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,960 · Scale 2, in force from 26 Feb 2026)