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$64,329
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,330
−HK$2,033/mo
Today · 4.125%
HK$68,363
baseline
▲ 0.50% · 4.625%
HK$72,523
+HK$4,160/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,726/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,566
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$73,485
−HK$1,947/mo
Today · 4.125%
HK$75,432
baseline
▲ 0.50% · 4.625%
HK$79,409
+HK$3,977/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,864/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,195
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,597
−HK$2,439/mo
Today · 4.125%
HK$82,036
baseline
▲ 0.50% · 4.625%
HK$87,028
+HK$4,992/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$164,072/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,879
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,182
−HK$2,337/mo
Today · 4.125%
HK$90,519
baseline
▲ 0.50% · 4.625%
HK$95,290
+HK$4,771/mo
Deposit HK$11.28M · loan HK$16.93M · min. income ≈ HK$181,038/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,061
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,863
−HK$2,846/mo
Today · 4.125%
HK$95,709
baseline
▲ 0.50% · 4.625%
HK$101,533
+HK$5,824/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,418/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,192
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,879
−HK$2,726/mo
Today · 4.125%
HK$105,605
baseline
▲ 0.50% · 4.625%
HK$111,172
+HK$5,567/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,210/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,793
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,395
−HK$3,659/mo
Today · 4.125%
HK$123,054
baseline
▲ 0.50% · 4.625%
HK$130,542
+HK$7,488/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,108/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,819
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$132,273
−HK$3,505/mo
Today · 4.125%
HK$135,778
baseline
▲ 0.50% · 4.625%
HK$142,935
+HK$7,157/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,556/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,989 · Scale 2, in force from 26 Feb 2026)