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$64,444
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,448
−HK$2,037/mo
Today · 4.125%
HK$68,485
baseline
▲ 0.50% · 4.625%
HK$72,652
+HK$4,167/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,970/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,693
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,616
−HK$1,950/mo
Today · 4.125%
HK$75,566
baseline
▲ 0.50% · 4.625%
HK$79,550
+HK$3,984/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,132/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,333
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,738
−HK$2,444/mo
Today · 4.125%
HK$82,182
baseline
▲ 0.50% · 4.625%
HK$87,183
+HK$5,001/mo
Deposit HK$11.30M · loan HK$16.96M · min. income ≈ HK$164,364/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,032
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,339
−HK$2,341/mo
Today · 4.125%
HK$90,680
baseline
▲ 0.50% · 4.625%
HK$95,460
+HK$4,780/mo
Deposit HK$11.30M · loan HK$16.96M · min. income ≈ HK$181,360/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,221
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,028
−HK$2,851/mo
Today · 4.125%
HK$95,879
baseline
▲ 0.50% · 4.625%
HK$101,713
+HK$5,834/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,758/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,370
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,062
−HK$2,731/mo
Today · 4.125%
HK$105,793
baseline
▲ 0.50% · 4.625%
HK$111,369
+HK$5,576/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,586/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,999
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,607
−HK$3,666/mo
Today · 4.125%
HK$123,273
baseline
▲ 0.50% · 4.625%
HK$130,774
+HK$7,501/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$246,546/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,047
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,508
−HK$3,512/mo
Today · 4.125%
HK$136,020
baseline
▲ 0.50% · 4.625%
HK$143,189
+HK$7,169/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$272,040/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,120 · Scale 2, in force from 26 Feb 2026)