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$64,280
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,280
−HK$2,031/mo
Today · 4.125%
HK$68,311
baseline
▲ 0.50% · 4.625%
HK$72,468
+HK$4,157/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,622/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,511
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,429
−HK$1,946/mo
Today · 4.125%
HK$75,375
baseline
▲ 0.50% · 4.625%
HK$79,348
+HK$3,973/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,750/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,137
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,536
−HK$2,438/mo
Today · 4.125%
HK$81,974
baseline
▲ 0.50% · 4.625%
HK$86,962
+HK$4,988/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$163,948/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,814
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,115
−HK$2,335/mo
Today · 4.125%
HK$90,450
baseline
▲ 0.50% · 4.625%
HK$95,218
+HK$4,768/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$180,900/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,993
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,792
−HK$2,844/mo
Today · 4.125%
HK$95,636
baseline
▲ 0.50% · 4.625%
HK$101,455
+HK$5,819/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,272/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,116
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,801
−HK$2,724/mo
Today · 4.125%
HK$105,525
baseline
▲ 0.50% · 4.625%
HK$111,087
+HK$5,562/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,050/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,705
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,304
−HK$3,657/mo
Today · 4.125%
HK$122,961
baseline
▲ 0.50% · 4.625%
HK$130,442
+HK$7,481/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,922/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,720
−HK$6,955/mo
▼ 0.25% · 3.875%
HK$132,173
−HK$3,502/mo
Today · 4.125%
HK$135,675
baseline
▲ 0.50% · 4.625%
HK$142,826
+HK$7,151/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,350/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,076 · Scale 2, in force from 26 Feb 2026)