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$64,325
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,326
−HK$2,033/mo
Today · 4.125%
HK$68,359
baseline
▲ 0.50% · 4.625%
HK$72,518
+HK$4,159/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,718/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,561
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,480
−HK$1,947/mo
Today · 4.125%
HK$75,427
baseline
▲ 0.50% · 4.625%
HK$79,403
+HK$3,976/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,854/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,190
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$79,591
−HK$2,439/mo
Today · 4.125%
HK$82,030
baseline
▲ 0.50% · 4.625%
HK$87,022
+HK$4,992/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,060/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,873
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,176
−HK$2,336/mo
Today · 4.125%
HK$90,512
baseline
▲ 0.50% · 4.625%
HK$95,283
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,024/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,055
−HK$5,647/mo
▼ 0.25% · 3.875%
HK$92,856
−HK$2,846/mo
Today · 4.125%
HK$95,702
baseline
▲ 0.50% · 4.625%
HK$101,525
+HK$5,823/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,404/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,185
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,872
−HK$2,726/mo
Today · 4.125%
HK$105,598
baseline
▲ 0.50% · 4.625%
HK$111,164
+HK$5,566/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,196/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,785
−HK$7,260/mo
▼ 0.25% · 3.875%
HK$119,386
−HK$3,659/mo
Today · 4.125%
HK$123,045
baseline
▲ 0.50% · 4.625%
HK$130,532
+HK$7,487/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,090/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,809
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,264
−HK$3,505/mo
Today · 4.125%
HK$135,769
baseline
▲ 0.50% · 4.625%
HK$142,925
+HK$7,156/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,538/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,903 · Scale 2, in force from 26 Feb 2026)