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$64,383
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,386
−HK$2,035/mo
Today · 4.125%
HK$68,421
baseline
▲ 0.50% · 4.625%
HK$72,584
+HK$4,163/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,842/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,626
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,547
−HK$1,948/mo
Today · 4.125%
HK$75,495
baseline
▲ 0.50% · 4.625%
HK$79,475
+HK$3,980/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$150,990/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,260
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,663
−HK$2,442/mo
Today · 4.125%
HK$82,105
baseline
▲ 0.50% · 4.625%
HK$87,101
+HK$4,996/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,210/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,951
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,256
−HK$2,338/mo
Today · 4.125%
HK$90,594
baseline
▲ 0.50% · 4.625%
HK$95,370
+HK$4,776/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,188/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,136
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,940
−HK$2,849/mo
Today · 4.125%
HK$95,789
baseline
▲ 0.50% · 4.625%
HK$101,617
+HK$5,828/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,578/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,276
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,965
−HK$2,728/mo
Today · 4.125%
HK$105,693
baseline
▲ 0.50% · 4.625%
HK$111,265
+HK$5,572/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,386/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,890
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$119,495
−HK$3,662/mo
Today · 4.125%
HK$123,157
baseline
▲ 0.50% · 4.625%
HK$130,651
+HK$7,494/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,314/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,926
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$132,384
−HK$3,508/mo
Today · 4.125%
HK$135,892
baseline
▲ 0.50% · 4.625%
HK$143,055
+HK$7,163/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,784/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,991 · Scale 2, in force from 26 Feb 2026)