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$64,524
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,531
−HK$2,039/mo
Today · 4.125%
HK$68,570
baseline
▲ 0.50% · 4.625%
HK$72,742
+HK$4,172/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,140/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,782
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,707
−HK$1,953/mo
Today · 4.125%
HK$75,660
baseline
▲ 0.50% · 4.625%
HK$79,648
+HK$3,988/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,320/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,429
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,837
−HK$2,447/mo
Today · 4.125%
HK$82,284
baseline
▲ 0.50% · 4.625%
HK$87,291
+HK$5,007/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,568/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,138
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,449
−HK$2,343/mo
Today · 4.125%
HK$90,792
baseline
▲ 0.50% · 4.625%
HK$95,578
+HK$4,786/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,584/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,333
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,143
−HK$2,855/mo
Today · 4.125%
HK$95,998
baseline
▲ 0.50% · 4.625%
HK$101,839
+HK$5,841/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$191,996/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,495
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,190
−HK$2,734/mo
Today · 4.125%
HK$105,924
baseline
▲ 0.50% · 4.625%
HK$111,508
+HK$5,584/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,848/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,143
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$119,756
−HK$3,670/mo
Today · 4.125%
HK$123,426
baseline
▲ 0.50% · 4.625%
HK$130,936
+HK$7,510/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,852/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,208
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,673
−HK$3,515/mo
Today · 4.125%
HK$136,188
baseline
▲ 0.50% · 4.625%
HK$143,367
+HK$7,179/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,376/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,611 · Scale 2, in force from 26 Feb 2026)