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$64,360
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,362
−HK$2,034/mo
Today · 4.125%
HK$68,396
baseline
▲ 0.50% · 4.625%
HK$72,558
+HK$4,162/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,792/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,600
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,520
−HK$1,948/mo
Today · 4.125%
HK$75,468
baseline
▲ 0.50% · 4.625%
HK$79,446
+HK$3,978/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,936/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,232
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,635
−HK$2,440/mo
Today · 4.125%
HK$82,075
baseline
▲ 0.50% · 4.625%
HK$87,069
+HK$4,994/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,150/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,920
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,224
−HK$2,338/mo
Today · 4.125%
HK$90,562
baseline
▲ 0.50% · 4.625%
HK$95,336
+HK$4,774/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,124/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,104
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,907
−HK$2,848/mo
Today · 4.125%
HK$95,755
baseline
▲ 0.50% · 4.625%
HK$101,581
+HK$5,826/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,510/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,240
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,928
−HK$2,728/mo
Today · 4.125%
HK$105,656
baseline
▲ 0.50% · 4.625%
HK$111,225
+HK$5,569/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,312/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,848
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,452
−HK$3,661/mo
Today · 4.125%
HK$123,113
baseline
▲ 0.50% · 4.625%
HK$130,604
+HK$7,491/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,226/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,880
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$132,337
−HK$3,506/mo
Today · 4.125%
HK$135,843
baseline
▲ 0.50% · 4.625%
HK$143,004
+HK$7,161/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,686/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,562 · Scale 2, in force from 26 Feb 2026)