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$64,302
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,302
−HK$2,032/mo
Today · 4.125%
HK$68,334
baseline
▲ 0.50% · 4.625%
HK$72,492
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,668/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,535
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,453
−HK$1,947/mo
Today · 4.125%
HK$75,400
baseline
▲ 0.50% · 4.625%
HK$79,374
+HK$3,974/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,800/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,162
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,562
−HK$2,439/mo
Today · 4.125%
HK$82,001
baseline
▲ 0.50% · 4.625%
HK$86,990
+HK$4,989/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,002/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,842
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,144
−HK$2,336/mo
Today · 4.125%
HK$90,480
baseline
▲ 0.50% · 4.625%
HK$95,249
+HK$4,769/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,960/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,022
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,822
−HK$2,845/mo
Today · 4.125%
HK$95,667
baseline
▲ 0.50% · 4.625%
HK$101,488
+HK$5,821/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,334/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,149
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,835
−HK$2,724/mo
Today · 4.125%
HK$105,559
baseline
▲ 0.50% · 4.625%
HK$111,124
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,118/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,743
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,343
−HK$3,658/mo
Today · 4.125%
HK$123,001
baseline
▲ 0.50% · 4.625%
HK$130,485
+HK$7,484/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,002/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,763
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,216
−HK$3,503/mo
Today · 4.125%
HK$135,719
baseline
▲ 0.50% · 4.625%
HK$142,873
+HK$7,154/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,438/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,469 · Scale 2, in force from 26 Feb 2026)