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$64,414
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,418
−HK$2,036/mo
Today · 4.125%
HK$68,454
baseline
▲ 0.50% · 4.625%
HK$72,619
+HK$4,165/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,908/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,660
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,582
−HK$1,950/mo
Today · 4.125%
HK$75,532
baseline
▲ 0.50% · 4.625%
HK$79,513
+HK$3,981/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,064/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,297
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,702
−HK$2,442/mo
Today · 4.125%
HK$82,144
baseline
▲ 0.50% · 4.625%
HK$87,143
+HK$4,999/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,288/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,992
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,299
−HK$2,339/mo
Today · 4.125%
HK$90,638
baseline
▲ 0.50% · 4.625%
HK$95,416
+HK$4,778/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,276/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,180
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,985
−HK$2,850/mo
Today · 4.125%
HK$95,835
baseline
▲ 0.50% · 4.625%
HK$101,667
+HK$5,832/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,670/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,325
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,015
−HK$2,730/mo
Today · 4.125%
HK$105,745
baseline
▲ 0.50% · 4.625%
HK$111,319
+HK$5,574/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,490/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,946
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$119,552
−HK$3,665/mo
Today · 4.125%
HK$123,217
baseline
▲ 0.50% · 4.625%
HK$130,714
+HK$7,497/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,434/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,989
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,448
−HK$3,510/mo
Today · 4.125%
HK$135,958
baseline
▲ 0.50% · 4.625%
HK$143,124
+HK$7,166/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,916/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,572 · Scale 2, in force from 26 Feb 2026)