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$64,403
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$66,406
−HK$2,035/mo
Today · 4.125%
HK$68,441
baseline
▲ 0.50% · 4.625%
HK$72,606
+HK$4,165/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,882/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,647
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,569
−HK$1,949/mo
Today · 4.125%
HK$75,518
baseline
▲ 0.50% · 4.625%
HK$79,499
+HK$3,981/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,036/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,283
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,687
−HK$2,443/mo
Today · 4.125%
HK$82,130
baseline
▲ 0.50% · 4.625%
HK$87,127
+HK$4,997/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,260/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,977
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,283
−HK$2,339/mo
Today · 4.125%
HK$90,622
baseline
▲ 0.50% · 4.625%
HK$95,399
+HK$4,777/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,244/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,164
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,968
−HK$2,850/mo
Today · 4.125%
HK$95,818
baseline
▲ 0.50% · 4.625%
HK$101,648
+HK$5,830/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,636/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,306
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$102,997
−HK$2,729/mo
Today · 4.125%
HK$105,726
baseline
▲ 0.50% · 4.625%
HK$111,299
+HK$5,573/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,452/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,925
−HK$7,269/mo
▼ 0.25% · 3.875%
HK$119,531
−HK$3,663/mo
Today · 4.125%
HK$123,194
baseline
▲ 0.50% · 4.625%
HK$130,691
+HK$7,497/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,388/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,965
−HK$6,968/mo
▼ 0.25% · 3.875%
HK$132,424
−HK$3,509/mo
Today · 4.125%
HK$135,933
baseline
▲ 0.50% · 4.625%
HK$143,098
+HK$7,165/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,866/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,355 · Scale 2, in force from 26 Feb 2026)