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$64,474
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,480
−HK$2,037/mo
Today · 4.125%
HK$68,517
baseline
▲ 0.50% · 4.625%
HK$72,686
+HK$4,169/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$137,034/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,727
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$73,650
−HK$1,952/mo
Today · 4.125%
HK$75,602
baseline
▲ 0.50% · 4.625%
HK$79,587
+HK$3,985/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$151,204/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,369
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,776
−HK$2,445/mo
Today · 4.125%
HK$82,221
baseline
▲ 0.50% · 4.625%
HK$87,224
+HK$5,003/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$164,442/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,072
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$88,381
−HK$2,341/mo
Today · 4.125%
HK$90,722
baseline
▲ 0.50% · 4.625%
HK$95,504
+HK$4,782/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$181,444/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,264
−HK$5,660/mo
▼ 0.25% · 3.875%
HK$93,071
−HK$2,853/mo
Today · 4.125%
HK$95,924
baseline
▲ 0.50% · 4.625%
HK$101,761
+HK$5,837/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$191,848/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,417
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,111
−HK$2,732/mo
Today · 4.125%
HK$105,843
baseline
▲ 0.50% · 4.625%
HK$111,422
+HK$5,579/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$211,686/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,053
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$119,663
−HK$3,668/mo
Today · 4.125%
HK$123,331
baseline
▲ 0.50% · 4.625%
HK$130,835
+HK$7,504/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$246,662/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,108
−HK$6,975/mo
▼ 0.25% · 3.875%
HK$132,571
−HK$3,512/mo
Today · 4.125%
HK$136,083
baseline
▲ 0.50% · 4.625%
HK$143,257
+HK$7,174/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$272,166/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,685 · Scale 2, in force from 26 Feb 2026)