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$64,416
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,420
−HK$2,035/mo
Today · 4.125%
HK$68,455
baseline
▲ 0.50% · 4.625%
HK$72,621
+HK$4,166/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,910/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,662
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,584
−HK$1,950/mo
Today · 4.125%
HK$75,534
baseline
▲ 0.50% · 4.625%
HK$79,515
+HK$3,981/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,068/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,299
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,704
−HK$2,443/mo
Today · 4.125%
HK$82,147
baseline
▲ 0.50% · 4.625%
HK$87,145
+HK$4,998/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,294/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,995
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,301
−HK$2,340/mo
Today · 4.125%
HK$90,641
baseline
▲ 0.50% · 4.625%
HK$95,418
+HK$4,777/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,282/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,182
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$92,988
−HK$2,850/mo
Today · 4.125%
HK$95,838
baseline
▲ 0.50% · 4.625%
HK$101,669
+HK$5,831/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,676/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,327
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,018
−HK$2,729/mo
Today · 4.125%
HK$105,747
baseline
▲ 0.50% · 4.625%
HK$111,321
+HK$5,574/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,494/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,949
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$119,555
−HK$3,665/mo
Today · 4.125%
HK$123,220
baseline
▲ 0.50% · 4.625%
HK$130,717
+HK$7,497/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,440/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,992
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,451
−HK$3,510/mo
Today · 4.125%
HK$135,961
baseline
▲ 0.50% · 4.625%
HK$143,128
+HK$7,167/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,922/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,602 · Scale 2, in force from 26 Feb 2026)