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$64,519
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,526
−HK$2,039/mo
Today · 4.125%
HK$68,565
baseline
▲ 0.50% · 4.625%
HK$72,737
+HK$4,172/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,130/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,777
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,702
−HK$1,953/mo
Today · 4.125%
HK$75,655
baseline
▲ 0.50% · 4.625%
HK$79,643
+HK$3,988/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,310/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,423
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,832
−HK$2,446/mo
Today · 4.125%
HK$82,278
baseline
▲ 0.50% · 4.625%
HK$87,285
+HK$5,007/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,556/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,133
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,443
−HK$2,343/mo
Today · 4.125%
HK$90,786
baseline
▲ 0.50% · 4.625%
HK$95,571
+HK$4,785/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,572/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,327
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,137
−HK$2,854/mo
Today · 4.125%
HK$95,991
baseline
▲ 0.50% · 4.625%
HK$101,832
+HK$5,841/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$191,982/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,488
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,183
−HK$2,734/mo
Today · 4.125%
HK$105,917
baseline
▲ 0.50% · 4.625%
HK$111,500
+HK$5,583/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,834/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,135
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$119,747
−HK$3,671/mo
Today · 4.125%
HK$123,418
baseline
▲ 0.50% · 4.625%
HK$130,927
+HK$7,509/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,836/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,199
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,664
−HK$3,515/mo
Today · 4.125%
HK$136,179
baseline
▲ 0.50% · 4.625%
HK$143,357
+HK$7,178/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,358/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,529 · Scale 2, in force from 26 Feb 2026)