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$64,388
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,391
−HK$2,034/mo
Today · 4.125%
HK$68,425
baseline
▲ 0.50% · 4.625%
HK$72,589
+HK$4,164/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,850/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,631
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,552
−HK$1,949/mo
Today · 4.125%
HK$75,501
baseline
▲ 0.50% · 4.625%
HK$79,480
+HK$3,979/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$151,002/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,265
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,669
−HK$2,441/mo
Today · 4.125%
HK$82,110
baseline
▲ 0.50% · 4.625%
HK$87,107
+HK$4,997/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,220/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,957
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,262
−HK$2,339/mo
Today · 4.125%
HK$90,601
baseline
▲ 0.50% · 4.625%
HK$95,377
+HK$4,776/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,202/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,143
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,947
−HK$2,849/mo
Today · 4.125%
HK$95,796
baseline
▲ 0.50% · 4.625%
HK$101,624
+HK$5,828/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$191,592/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,283
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,973
−HK$2,728/mo
Today · 4.125%
HK$105,701
baseline
▲ 0.50% · 4.625%
HK$111,273
+HK$5,572/mo
Deposit HK$8.47M · loan HK$19.77M · min. income ≈ HK$211,402/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,898
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$119,503
−HK$3,663/mo
Today · 4.125%
HK$123,166
baseline
▲ 0.50% · 4.625%
HK$130,660
+HK$7,494/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,332/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,935
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$132,393
−HK$3,508/mo
Today · 4.125%
HK$135,901
baseline
▲ 0.50% · 4.625%
HK$143,065
+HK$7,164/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,802/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,075 · Scale 2, in force from 26 Feb 2026)