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$64,520
−HK$4,046/mo
▼ 0.25% · 3.875%
HK$66,527
−HK$2,039/mo
Today · 4.125%
HK$68,566
baseline
▲ 0.50% · 4.625%
HK$72,738
+HK$4,172/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,132/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,777
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,702
−HK$1,953/mo
Today · 4.125%
HK$75,655
baseline
▲ 0.50% · 4.625%
HK$79,643
+HK$3,988/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,310/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,424
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,832
−HK$2,447/mo
Today · 4.125%
HK$82,279
baseline
▲ 0.50% · 4.625%
HK$87,285
+HK$5,006/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,558/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,133
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,443
−HK$2,343/mo
Today · 4.125%
HK$90,786
baseline
▲ 0.50% · 4.625%
HK$95,572
+HK$4,786/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,572/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,327
−HK$5,665/mo
▼ 0.25% · 3.875%
HK$93,137
−HK$2,855/mo
Today · 4.125%
HK$95,992
baseline
▲ 0.50% · 4.625%
HK$101,833
+HK$5,841/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$191,984/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,488
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,183
−HK$2,734/mo
Today · 4.125%
HK$105,917
baseline
▲ 0.50% · 4.625%
HK$111,501
+HK$5,584/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,834/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,135
−HK$7,283/mo
▼ 0.25% · 3.875%
HK$119,748
−HK$3,670/mo
Today · 4.125%
HK$123,418
baseline
▲ 0.50% · 4.625%
HK$130,928
+HK$7,510/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$246,836/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,199
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$132,664
−HK$3,516/mo
Today · 4.125%
HK$136,180
baseline
▲ 0.50% · 4.625%
HK$143,358
+HK$7,178/mo
Deposit HK$2.83M · loan HK$25.47M · min. income ≈ HK$272,360/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,533 · Scale 2, in force from 26 Feb 2026)