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$64,399
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,402
−HK$2,035/mo
Today · 4.125%
HK$68,437
baseline
▲ 0.50% · 4.625%
HK$72,602
+HK$4,165/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,874/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,643
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,565
−HK$1,949/mo
Today · 4.125%
HK$75,514
baseline
▲ 0.50% · 4.625%
HK$79,494
+HK$3,980/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,028/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,279
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$79,683
−HK$2,442/mo
Today · 4.125%
HK$82,125
baseline
▲ 0.50% · 4.625%
HK$87,122
+HK$4,997/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,250/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,972
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,278
−HK$2,339/mo
Today · 4.125%
HK$90,617
baseline
▲ 0.50% · 4.625%
HK$95,393
+HK$4,776/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,234/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,159
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,963
−HK$2,849/mo
Today · 4.125%
HK$95,812
baseline
▲ 0.50% · 4.625%
HK$101,642
+HK$5,830/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,624/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,301
−HK$5,419/mo
▼ 0.25% · 3.875%
HK$102,991
−HK$2,729/mo
Today · 4.125%
HK$105,720
baseline
▲ 0.50% · 4.625%
HK$111,292
+HK$5,572/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,440/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,918
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,524
−HK$3,663/mo
Today · 4.125%
HK$123,187
baseline
▲ 0.50% · 4.625%
HK$130,683
+HK$7,496/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,374/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,958
−HK$6,967/mo
▼ 0.25% · 3.875%
HK$132,416
−HK$3,509/mo
Today · 4.125%
HK$135,925
baseline
▲ 0.50% · 4.625%
HK$143,090
+HK$7,165/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,850/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,286 · Scale 2, in force from 26 Feb 2026)