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$64,280
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,280
−HK$2,031/mo
Today · 4.125%
HK$68,311
baseline
▲ 0.50% · 4.625%
HK$72,468
+HK$4,157/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,622/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,511
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,429
−HK$1,945/mo
Today · 4.125%
HK$75,374
baseline
▲ 0.50% · 4.625%
HK$79,348
+HK$3,974/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,748/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,136
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,535
−HK$2,438/mo
Today · 4.125%
HK$81,973
baseline
▲ 0.50% · 4.625%
HK$86,961
+HK$4,988/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$163,946/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,813
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,115
−HK$2,334/mo
Today · 4.125%
HK$90,449
baseline
▲ 0.50% · 4.625%
HK$95,217
+HK$4,768/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$180,898/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,992
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,791
−HK$2,844/mo
Today · 4.125%
HK$95,635
baseline
▲ 0.50% · 4.625%
HK$101,455
+HK$5,820/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,270/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,115
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,800
−HK$2,724/mo
Today · 4.125%
HK$105,524
baseline
▲ 0.50% · 4.625%
HK$111,087
+HK$5,563/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,048/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,704
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,303
−HK$3,657/mo
Today · 4.125%
HK$122,960
baseline
▲ 0.50% · 4.625%
HK$130,442
+HK$7,482/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,920/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,720
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,172
−HK$3,502/mo
Today · 4.125%
HK$135,674
baseline
▲ 0.50% · 4.625%
HK$142,826
+HK$7,152/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,348/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,068 · Scale 2, in force from 26 Feb 2026)