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$64,410
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,414
−HK$2,035/mo
Today · 4.125%
HK$68,449
baseline
▲ 0.50% · 4.625%
HK$72,614
+HK$4,165/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,898/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,656
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,578
−HK$1,949/mo
Today · 4.125%
HK$75,527
baseline
▲ 0.50% · 4.625%
HK$79,508
+HK$3,981/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,054/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,292
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,697
−HK$2,442/mo
Today · 4.125%
HK$82,139
baseline
▲ 0.50% · 4.625%
HK$87,137
+HK$4,998/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,278/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,987
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,293
−HK$2,340/mo
Today · 4.125%
HK$90,633
baseline
▲ 0.50% · 4.625%
HK$95,410
+HK$4,777/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,266/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,174
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$92,979
−HK$2,850/mo
Today · 4.125%
HK$95,829
baseline
▲ 0.50% · 4.625%
HK$101,660
+HK$5,831/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,658/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,318
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,009
−HK$2,729/mo
Today · 4.125%
HK$105,738
baseline
▲ 0.50% · 4.625%
HK$111,312
+HK$5,574/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,476/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,939
−HK$7,270/mo
▼ 0.25% · 3.875%
HK$119,545
−HK$3,664/mo
Today · 4.125%
HK$123,209
baseline
▲ 0.50% · 4.625%
HK$130,706
+HK$7,497/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,418/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,980
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,440
−HK$3,509/mo
Today · 4.125%
HK$135,949
baseline
▲ 0.50% · 4.625%
HK$143,115
+HK$7,166/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,898/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,496 · Scale 2, in force from 26 Feb 2026)