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$64,477
−HK$4,043/mo
▼ 0.25% · 3.875%
HK$66,483
−HK$2,037/mo
Today · 4.125%
HK$68,520
baseline
▲ 0.50% · 4.625%
HK$72,690
+HK$4,170/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$137,040/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,730
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,654
−HK$1,952/mo
Today · 4.125%
HK$75,606
baseline
▲ 0.50% · 4.625%
HK$79,591
+HK$3,985/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$151,212/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,373
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,779
−HK$2,445/mo
Today · 4.125%
HK$82,224
baseline
▲ 0.50% · 4.625%
HK$87,228
+HK$5,004/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$164,448/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,076
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,385
−HK$2,342/mo
Today · 4.125%
HK$90,727
baseline
▲ 0.50% · 4.625%
HK$95,509
+HK$4,782/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$181,454/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,268
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,076
−HK$2,853/mo
Today · 4.125%
HK$95,929
baseline
▲ 0.50% · 4.625%
HK$101,766
+HK$5,837/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$191,858/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,422
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,115
−HK$2,733/mo
Today · 4.125%
HK$105,848
baseline
▲ 0.50% · 4.625%
HK$111,427
+HK$5,579/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$211,696/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,059
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$119,669
−HK$3,668/mo
Today · 4.125%
HK$123,337
baseline
▲ 0.50% · 4.625%
HK$130,841
+HK$7,504/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$246,674/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,114
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$132,577
−HK$3,513/mo
Today · 4.125%
HK$136,090
baseline
▲ 0.50% · 4.625%
HK$143,263
+HK$7,173/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$272,180/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,741 · Scale 2, in force from 26 Feb 2026)