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$64,305
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,305
−HK$2,033/mo
Today · 4.125%
HK$68,338
baseline
▲ 0.50% · 4.625%
HK$72,496
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,676/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,539
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,457
−HK$1,947/mo
Today · 4.125%
HK$75,404
baseline
▲ 0.50% · 4.625%
HK$79,379
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,808/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,166
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,567
−HK$2,438/mo
Today · 4.125%
HK$82,005
baseline
▲ 0.50% · 4.625%
HK$86,995
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,010/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,847
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,149
−HK$2,336/mo
Today · 4.125%
HK$90,485
baseline
▲ 0.50% · 4.625%
HK$95,254
+HK$4,769/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,970/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,027
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,828
−HK$2,845/mo
Today · 4.125%
HK$95,673
baseline
▲ 0.50% · 4.625%
HK$101,494
+HK$5,821/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,346/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,154
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,840
−HK$2,725/mo
Today · 4.125%
HK$105,565
baseline
▲ 0.50% · 4.625%
HK$111,130
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,130/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,749
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,350
−HK$3,658/mo
Today · 4.125%
HK$123,008
baseline
▲ 0.50% · 4.625%
HK$130,493
+HK$7,485/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,016/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,770
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,223
−HK$3,504/mo
Today · 4.125%
HK$135,727
baseline
▲ 0.50% · 4.625%
HK$142,881
+HK$7,154/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,454/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,536 · Scale 2, in force from 26 Feb 2026)