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$64,369
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,371
−HK$2,034/mo
Today · 4.125%
HK$68,405
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$4,163/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,810/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,610
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,530
−HK$1,949/mo
Today · 4.125%
HK$75,479
baseline
▲ 0.50% · 4.625%
HK$79,457
+HK$3,978/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,958/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,243
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,645
−HK$2,441/mo
Today · 4.125%
HK$82,086
baseline
▲ 0.50% · 4.625%
HK$87,081
+HK$4,995/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,172/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,932
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,236
−HK$2,338/mo
Today · 4.125%
HK$90,574
baseline
▲ 0.50% · 4.625%
HK$95,349
+HK$4,775/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,148/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,116
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,920
−HK$2,848/mo
Today · 4.125%
HK$95,768
baseline
▲ 0.50% · 4.625%
HK$101,595
+HK$5,827/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,536/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,254
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,942
−HK$2,728/mo
Today · 4.125%
HK$105,670
baseline
▲ 0.50% · 4.625%
HK$111,240
+HK$5,570/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,340/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,864
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,468
−HK$3,662/mo
Today · 4.125%
HK$123,130
baseline
▲ 0.50% · 4.625%
HK$130,622
+HK$7,492/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,260/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,898
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,355
−HK$3,507/mo
Today · 4.125%
HK$135,862
baseline
▲ 0.50% · 4.625%
HK$143,023
+HK$7,161/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,724/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,725 · Scale 2, in force from 26 Feb 2026)