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$64,300
−HK$4,032/mo
▼ 0.25% · 3.875%
HK$66,300
−HK$2,032/mo
Today · 4.125%
HK$68,332
baseline
▲ 0.50% · 4.625%
HK$72,490
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,664/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,533
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,451
−HK$1,947/mo
Today · 4.125%
HK$75,398
baseline
▲ 0.50% · 4.625%
HK$79,372
+HK$3,974/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,796/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,160
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,560
−HK$2,439/mo
Today · 4.125%
HK$81,999
baseline
▲ 0.50% · 4.625%
HK$86,988
+HK$4,989/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$163,998/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,840
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,142
−HK$2,335/mo
Today · 4.125%
HK$90,477
baseline
▲ 0.50% · 4.625%
HK$95,246
+HK$4,769/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,954/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,020
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,820
−HK$2,845/mo
Today · 4.125%
HK$95,665
baseline
▲ 0.50% · 4.625%
HK$101,486
+HK$5,821/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,330/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,146
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,832
−HK$2,725/mo
Today · 4.125%
HK$105,557
baseline
▲ 0.50% · 4.625%
HK$111,121
+HK$5,564/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,114/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,740
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,340
−HK$3,658/mo
Today · 4.125%
HK$122,998
baseline
▲ 0.50% · 4.625%
HK$130,482
+HK$7,484/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$245,996/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,759
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,213
−HK$3,503/mo
Today · 4.125%
HK$135,716
baseline
▲ 0.50% · 4.625%
HK$142,870
+HK$7,154/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,432/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,439 · Scale 2, in force from 26 Feb 2026)