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$64,539
−HK$4,047/mo
▼ 0.25% · 3.875%
HK$66,546
−HK$2,040/mo
Today · 4.125%
HK$68,586
baseline
▲ 0.50% · 4.625%
HK$72,759
+HK$4,173/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,172/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,799
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$73,724
−HK$1,954/mo
Today · 4.125%
HK$75,678
baseline
▲ 0.50% · 4.625%
HK$79,667
+HK$3,989/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,356/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,446
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$79,855
−HK$2,448/mo
Today · 4.125%
HK$82,303
baseline
▲ 0.50% · 4.625%
HK$87,311
+HK$5,008/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,606/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,158
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$88,469
−HK$2,344/mo
Today · 4.125%
HK$90,813
baseline
▲ 0.50% · 4.625%
HK$95,600
+HK$4,787/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,626/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,354
−HK$5,666/mo
▼ 0.25% · 3.875%
HK$93,165
−HK$2,855/mo
Today · 4.125%
HK$96,020
baseline
▲ 0.50% · 4.625%
HK$101,863
+HK$5,843/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$192,040/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,518
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$103,214
−HK$2,735/mo
Today · 4.125%
HK$105,949
baseline
▲ 0.50% · 4.625%
HK$111,533
+HK$5,584/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,898/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,170
−HK$7,284/mo
▼ 0.25% · 3.875%
HK$119,783
−HK$3,671/mo
Today · 4.125%
HK$123,454
baseline
▲ 0.50% · 4.625%
HK$130,966
+HK$7,512/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,908/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,237
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$132,704
−HK$3,516/mo
Today · 4.125%
HK$136,220
baseline
▲ 0.50% · 4.625%
HK$143,400
+HK$7,180/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,440/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,888 · Scale 2, in force from 26 Feb 2026)