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$64,491
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,497
−HK$2,038/mo
Today · 4.125%
HK$68,535
baseline
▲ 0.50% · 4.625%
HK$72,705
+HK$4,170/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$137,070/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,202,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,746
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,670
−HK$1,952/mo
Today · 4.125%
HK$75,622
baseline
▲ 0.50% · 4.625%
HK$79,608
+HK$3,986/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$151,244/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,202,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,389
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$79,797
−HK$2,445/mo
Today · 4.125%
HK$82,242
baseline
▲ 0.50% · 4.625%
HK$87,247
+HK$5,005/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$164,484/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,202,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,095
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,404
−HK$2,342/mo
Today · 4.125%
HK$90,746
baseline
▲ 0.50% · 4.625%
HK$95,530
+HK$4,784/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$181,492/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,202,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,287
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$93,096
−HK$2,853/mo
Today · 4.125%
HK$95,949
baseline
▲ 0.50% · 4.625%
HK$101,788
+HK$5,839/mo
Deposit HK$8.48M · loan HK$19.80M · min. income ≈ HK$191,898/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,444
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$103,138
−HK$2,733/mo
Today · 4.125%
HK$105,871
baseline
▲ 0.50% · 4.625%
HK$111,451
+HK$5,580/mo
Deposit HK$8.48M · loan HK$19.80M · min. income ≈ HK$211,742/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,084
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$119,695
−HK$3,668/mo
Today · 4.125%
HK$123,363
baseline
▲ 0.50% · 4.625%
HK$130,870
+HK$7,507/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$246,726/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,142
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$132,606
−HK$3,513/mo
Today · 4.125%
HK$136,119
baseline
▲ 0.50% · 4.625%
HK$143,294
+HK$7,175/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$272,238/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,001 · Scale 2, in force from 26 Feb 2026)