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$4,037/mo
▼ 0.25% · 3.875%
HK$66,372
−HK$2,034/mo
Today · 4.125%
HK$68,406
baseline
▲ 0.50% · 4.625%
HK$72,568
+HK$4,162/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,812/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,610
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,531
−HK$1,948/mo
Today · 4.125%
HK$75,479
baseline
▲ 0.50% · 4.625%
HK$79,458
+HK$3,979/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$1,199,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,243
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,646
−HK$2,441/mo
Today · 4.125%
HK$82,087
baseline
▲ 0.50% · 4.625%
HK$87,082
+HK$4,995/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,174/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,932
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,237
−HK$2,338/mo
Today · 4.125%
HK$90,575
baseline
▲ 0.50% · 4.625%
HK$95,349
+HK$4,774/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,150/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,117
−HK$5,651/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$1,199,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,254
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,943
−HK$2,728/mo
Today · 4.125%
HK$105,671
baseline
▲ 0.50% · 4.625%
HK$111,241
+HK$5,570/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,342/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,865
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,469
−HK$3,662/mo
Today · 4.125%
HK$123,131
baseline
▲ 0.50% · 4.625%
HK$130,623
+HK$7,492/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,262/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,733 · 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$143,024
+HK$7,162/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$1,199,733 · Scale 2, in force from 26 Feb 2026)