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$64,534
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,541
−HK$2,040/mo
Today · 4.125%
HK$68,581
baseline
▲ 0.50% · 4.625%
HK$72,754
+HK$4,173/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,162/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,794
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,719
−HK$1,953/mo
Today · 4.125%
HK$75,672
baseline
▲ 0.50% · 4.625%
HK$79,661
+HK$3,989/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,344/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,441
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,850
−HK$2,447/mo
Today · 4.125%
HK$82,297
baseline
▲ 0.50% · 4.625%
HK$87,305
+HK$5,008/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,594/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,152
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,463
−HK$2,344/mo
Today · 4.125%
HK$90,807
baseline
▲ 0.50% · 4.625%
HK$95,593
+HK$4,786/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,614/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,348
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,158
−HK$2,855/mo
Today · 4.125%
HK$96,013
baseline
▲ 0.50% · 4.625%
HK$101,855
+HK$5,842/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$192,026/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,511
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,207
−HK$2,734/mo
Today · 4.125%
HK$105,941
baseline
▲ 0.50% · 4.625%
HK$111,526
+HK$5,585/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,882/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,161
−HK$7,285/mo
▼ 0.25% · 3.875%
HK$119,775
−HK$3,671/mo
Today · 4.125%
HK$123,446
baseline
▲ 0.50% · 4.625%
HK$130,957
+HK$7,511/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,892/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,228
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,694
−HK$3,516/mo
Today · 4.125%
HK$136,210
baseline
▲ 0.50% · 4.625%
HK$143,390
+HK$7,180/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,420/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,803 · Scale 2, in force from 26 Feb 2026)