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$64,436
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,440
−HK$2,037/mo
Today · 4.125%
HK$68,477
baseline
▲ 0.50% · 4.625%
HK$72,643
+HK$4,166/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,954/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,684
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,607
−HK$1,950/mo
Today · 4.125%
HK$75,557
baseline
▲ 0.50% · 4.625%
HK$79,540
+HK$3,983/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,114/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,323
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,728
−HK$2,444/mo
Today · 4.125%
HK$82,172
baseline
▲ 0.50% · 4.625%
HK$87,172
+HK$5,000/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,344/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,021
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,328
−HK$2,340/mo
Today · 4.125%
HK$90,668
baseline
▲ 0.50% · 4.625%
HK$95,448
+HK$4,780/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,336/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,210
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,016
−HK$2,851/mo
Today · 4.125%
HK$95,867
baseline
▲ 0.50% · 4.625%
HK$101,700
+HK$5,833/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,734/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,358
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$103,049
−HK$2,731/mo
Today · 4.125%
HK$105,780
baseline
▲ 0.50% · 4.625%
HK$111,356
+HK$5,576/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,560/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,984
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,592
−HK$3,666/mo
Today · 4.125%
HK$123,258
baseline
▲ 0.50% · 4.625%
HK$130,758
+HK$7,500/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$246,516/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,032
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$132,492
−HK$3,511/mo
Today · 4.125%
HK$136,003
baseline
▲ 0.50% · 4.625%
HK$143,172
+HK$7,169/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$272,006/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,972 · Scale 2, in force from 26 Feb 2026)