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$64,309
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,309
−HK$2,033/mo
Today · 4.125%
HK$68,342
baseline
▲ 0.50% · 4.625%
HK$72,500
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,684/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,543
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,462
−HK$1,946/mo
Today · 4.125%
HK$75,408
baseline
▲ 0.50% · 4.625%
HK$79,383
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,816/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,171
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,571
−HK$2,439/mo
Today · 4.125%
HK$82,010
baseline
▲ 0.50% · 4.625%
HK$87,000
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,020/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,852
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,154
−HK$2,336/mo
Today · 4.125%
HK$90,490
baseline
▲ 0.50% · 4.625%
HK$95,260
+HK$4,770/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,980/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,032
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,833
−HK$2,845/mo
Today · 4.125%
HK$95,678
baseline
▲ 0.50% · 4.625%
HK$101,500
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,356/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,160
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,846
−HK$2,725/mo
Today · 4.125%
HK$105,571
baseline
▲ 0.50% · 4.625%
HK$111,136
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,142/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,756
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,357
−HK$3,658/mo
Today · 4.125%
HK$123,015
baseline
▲ 0.50% · 4.625%
HK$130,500
+HK$7,485/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,030/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,777
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$132,231
−HK$3,504/mo
Today · 4.125%
HK$135,735
baseline
▲ 0.50% · 4.625%
HK$142,890
+HK$7,155/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,470/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,605 · Scale 2, in force from 26 Feb 2026)