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$64,385
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,387
−HK$2,035/mo
Today · 4.125%
HK$68,422
baseline
▲ 0.50% · 4.625%
HK$72,585
+HK$4,163/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,844/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,627
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$73,548
−HK$1,949/mo
Today · 4.125%
HK$75,497
baseline
▲ 0.50% · 4.625%
HK$79,476
+HK$3,979/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$150,994/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,261
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,665
−HK$2,441/mo
Today · 4.125%
HK$82,106
baseline
▲ 0.50% · 4.625%
HK$87,102
+HK$4,996/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,212/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,953
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,258
−HK$2,338/mo
Today · 4.125%
HK$90,596
baseline
▲ 0.50% · 4.625%
HK$95,372
+HK$4,776/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,192/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,138
−HK$5,653/mo
▼ 0.25% · 3.875%
HK$92,942
−HK$2,849/mo
Today · 4.125%
HK$95,791
baseline
▲ 0.50% · 4.625%
HK$101,619
+HK$5,828/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,582/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,278
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,967
−HK$2,729/mo
Today · 4.125%
HK$105,696
baseline
▲ 0.50% · 4.625%
HK$111,267
+HK$5,571/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,392/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,892
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$119,497
−HK$3,663/mo
Today · 4.125%
HK$123,160
baseline
▲ 0.50% · 4.625%
HK$130,654
+HK$7,494/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,320/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,929
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,387
−HK$3,507/mo
Today · 4.125%
HK$135,894
baseline
▲ 0.50% · 4.625%
HK$143,058
+HK$7,164/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,788/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,016 · Scale 2, in force from 26 Feb 2026)