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$64,335
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,336
−HK$2,034/mo
Today · 4.125%
HK$68,370
baseline
▲ 0.50% · 4.625%
HK$72,530
+HK$4,160/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,740/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,572
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,492
−HK$1,947/mo
Today · 4.125%
HK$75,439
baseline
▲ 0.50% · 4.625%
HK$79,416
+HK$3,977/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,878/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,202
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,604
−HK$2,439/mo
Today · 4.125%
HK$82,043
baseline
▲ 0.50% · 4.625%
HK$87,036
+HK$4,993/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,086/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,199,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,887
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$88,190
−HK$2,337/mo
Today · 4.125%
HK$90,527
baseline
▲ 0.50% · 4.625%
HK$95,299
+HK$4,772/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,054/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,199,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,069
−HK$5,648/mo
▼ 0.25% · 3.875%
HK$92,871
−HK$2,846/mo
Today · 4.125%
HK$95,717
baseline
▲ 0.50% · 4.625%
HK$101,542
+HK$5,825/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$191,434/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,201
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,888
−HK$2,727/mo
Today · 4.125%
HK$105,615
baseline
▲ 0.50% · 4.625%
HK$111,182
+HK$5,567/mo
Deposit HK$8.46M · loan HK$19.75M · min. income ≈ HK$211,230/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,803
−HK$7,262/mo
▼ 0.25% · 3.875%
HK$119,405
−HK$3,660/mo
Today · 4.125%
HK$123,065
baseline
▲ 0.50% · 4.625%
HK$130,553
+HK$7,488/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$246,130/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,830
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$132,285
−HK$3,505/mo
Today · 4.125%
HK$135,790
baseline
▲ 0.50% · 4.625%
HK$142,948
+HK$7,158/mo
Deposit HK$2.82M · loan HK$25.39M · min. income ≈ HK$271,580/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,095 · Scale 2, in force from 26 Feb 2026)