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$64,333
−HK$4,034/mo
▼ 0.25% · 3.875%
HK$66,334
−HK$2,033/mo
Today · 4.125%
HK$68,367
baseline
▲ 0.50% · 4.625%
HK$72,527
+HK$4,160/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,734/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,570
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,489
−HK$1,948/mo
Today · 4.125%
HK$75,437
baseline
▲ 0.50% · 4.625%
HK$79,413
+HK$3,976/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,874/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,200
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,601
−HK$2,440/mo
Today · 4.125%
HK$82,041
baseline
▲ 0.50% · 4.625%
HK$87,033
+HK$4,992/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,082/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,199,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,884
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,187
−HK$2,337/mo
Today · 4.125%
HK$90,524
baseline
▲ 0.50% · 4.625%
HK$95,296
+HK$4,772/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,048/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,199,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,066
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,868
−HK$2,846/mo
Today · 4.125%
HK$95,714
baseline
▲ 0.50% · 4.625%
HK$101,538
+HK$5,824/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,428/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,198
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$102,885
−HK$2,726/mo
Today · 4.125%
HK$105,611
baseline
▲ 0.50% · 4.625%
HK$111,178
+HK$5,567/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,222/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,800
−HK$7,261/mo
▼ 0.25% · 3.875%
HK$119,402
−HK$3,659/mo
Today · 4.125%
HK$123,061
baseline
▲ 0.50% · 4.625%
HK$130,549
+HK$7,488/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,122/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,826
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,281
−HK$3,505/mo
Today · 4.125%
HK$135,786
baseline
▲ 0.50% · 4.625%
HK$142,943
+HK$7,157/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,572/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,057 · Scale 2, in force from 26 Feb 2026)