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$64,493
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,499
−HK$2,038/mo
Today · 4.125%
HK$68,537
baseline
▲ 0.50% · 4.625%
HK$72,707
+HK$4,170/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$137,074/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,202,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,748
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,672
−HK$1,952/mo
Today · 4.125%
HK$75,624
baseline
▲ 0.50% · 4.625%
HK$79,610
+HK$3,986/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$151,248/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,202,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,391
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$79,799
−HK$2,446/mo
Today · 4.125%
HK$82,245
baseline
▲ 0.50% · 4.625%
HK$87,249
+HK$5,004/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$164,490/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,097
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$88,406
−HK$2,343/mo
Today · 4.125%
HK$90,749
baseline
▲ 0.50% · 4.625%
HK$95,532
+HK$4,783/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$181,498/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,290
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,098
−HK$2,854/mo
Today · 4.125%
HK$95,952
baseline
▲ 0.50% · 4.625%
HK$101,790
+HK$5,838/mo
Deposit HK$8.48M · loan HK$19.80M · min. income ≈ HK$191,904/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,447
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,141
−HK$2,732/mo
Today · 4.125%
HK$105,873
baseline
▲ 0.50% · 4.625%
HK$111,454
+HK$5,581/mo
Deposit HK$8.48M · loan HK$19.80M · min. income ≈ HK$211,746/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,087
−HK$7,280/mo
▼ 0.25% · 3.875%
HK$119,698
−HK$3,669/mo
Today · 4.125%
HK$123,367
baseline
▲ 0.50% · 4.625%
HK$130,873
+HK$7,506/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$246,734/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,146
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$132,609
−HK$3,514/mo
Today · 4.125%
HK$136,123
baseline
▲ 0.50% · 4.625%
HK$143,298
+HK$7,175/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$272,246/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,034 · Scale 2, in force from 26 Feb 2026)