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$64,529
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,536
−HK$2,039/mo
Today · 4.125%
HK$68,575
baseline
▲ 0.50% · 4.625%
HK$72,748
+HK$4,173/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,150/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,787
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,713
−HK$1,953/mo
Today · 4.125%
HK$75,666
baseline
▲ 0.50% · 4.625%
HK$79,654
+HK$3,988/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,332/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,434
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$79,843
−HK$2,447/mo
Today · 4.125%
HK$82,290
baseline
▲ 0.50% · 4.625%
HK$87,297
+HK$5,007/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,580/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,145
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$88,455
−HK$2,344/mo
Today · 4.125%
HK$90,799
baseline
▲ 0.50% · 4.625%
HK$95,585
+HK$4,786/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,598/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,340
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,150
−HK$2,855/mo
Today · 4.125%
HK$96,005
baseline
▲ 0.50% · 4.625%
HK$101,847
+HK$5,842/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$192,010/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,502
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$103,198
−HK$2,734/mo
Today · 4.125%
HK$105,932
baseline
▲ 0.50% · 4.625%
HK$111,516
+HK$5,584/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,864/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,151
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$119,764
−HK$3,671/mo
Today · 4.125%
HK$123,435
baseline
▲ 0.50% · 4.625%
HK$130,946
+HK$7,511/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,870/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,217
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$132,683
−HK$3,516/mo
Today · 4.125%
HK$136,199
baseline
▲ 0.50% · 4.625%
HK$143,378
+HK$7,179/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,398/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,701 · Scale 2, in force from 26 Feb 2026)