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$64,287
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,287
−HK$2,031/mo
Today · 4.125%
HK$68,318
baseline
▲ 0.50% · 4.625%
HK$72,475
+HK$4,157/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,636/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,519
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,437
−HK$1,946/mo
Today · 4.125%
HK$75,383
baseline
▲ 0.50% · 4.625%
HK$79,356
+HK$3,973/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,766/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,144
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,544
−HK$2,438/mo
Today · 4.125%
HK$81,982
baseline
▲ 0.50% · 4.625%
HK$86,970
+HK$4,988/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$163,964/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,822
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,124
−HK$2,335/mo
Today · 4.125%
HK$90,459
baseline
▲ 0.50% · 4.625%
HK$95,227
+HK$4,768/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,918/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,002
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,801
−HK$2,845/mo
Today · 4.125%
HK$95,646
baseline
▲ 0.50% · 4.625%
HK$101,465
+HK$5,819/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,292/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,126
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,811
−HK$2,725/mo
Today · 4.125%
HK$105,536
baseline
▲ 0.50% · 4.625%
HK$111,098
+HK$5,562/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,072/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,717
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,316
−HK$3,657/mo
Today · 4.125%
HK$122,973
baseline
▲ 0.50% · 4.625%
HK$130,456
+HK$7,483/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,946/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,733
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,186
−HK$3,503/mo
Today · 4.125%
HK$135,689
baseline
▲ 0.50% · 4.625%
HK$142,841
+HK$7,152/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,378/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,197 · Scale 2, in force from 26 Feb 2026)