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$64,411
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$66,415
−HK$2,035/mo
Today · 4.125%
HK$68,450
baseline
▲ 0.50% · 4.625%
HK$72,615
+HK$4,165/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,900/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,657
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$73,579
−HK$1,949/mo
Today · 4.125%
HK$75,528
baseline
▲ 0.50% · 4.625%
HK$79,509
+HK$3,981/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,056/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,293
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$79,698
−HK$2,442/mo
Today · 4.125%
HK$82,140
baseline
▲ 0.50% · 4.625%
HK$87,138
+HK$4,998/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,280/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,988
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,294
−HK$2,340/mo
Today · 4.125%
HK$90,634
baseline
▲ 0.50% · 4.625%
HK$95,411
+HK$4,777/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,268/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,176
−HK$5,654/mo
▼ 0.25% · 3.875%
HK$92,981
−HK$2,849/mo
Today · 4.125%
HK$95,830
baseline
▲ 0.50% · 4.625%
HK$101,662
+HK$5,832/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,660/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,319
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$103,010
−HK$2,729/mo
Today · 4.125%
HK$105,739
baseline
▲ 0.50% · 4.625%
HK$111,313
+HK$5,574/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,478/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,940
−HK$7,271/mo
▼ 0.25% · 3.875%
HK$119,547
−HK$3,664/mo
Today · 4.125%
HK$123,211
baseline
▲ 0.50% · 4.625%
HK$130,708
+HK$7,497/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$246,422/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,982
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$132,441
−HK$3,510/mo
Today · 4.125%
HK$135,951
baseline
▲ 0.50% · 4.625%
HK$143,117
+HK$7,166/mo
Deposit HK$2.82M · loan HK$25.42M · min. income ≈ HK$271,902/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,512 · Scale 2, in force from 26 Feb 2026)