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$64,448
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,453
−HK$2,037/mo
Today · 4.125%
HK$68,490
baseline
▲ 0.50% · 4.625%
HK$72,657
+HK$4,167/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,980/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,698
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,621
−HK$1,950/mo
Today · 4.125%
HK$75,571
baseline
▲ 0.50% · 4.625%
HK$79,555
+HK$3,984/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,142/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,338
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$79,743
−HK$2,444/mo
Today · 4.125%
HK$82,187
baseline
▲ 0.50% · 4.625%
HK$87,188
+HK$5,001/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$164,374/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,037
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,345
−HK$2,341/mo
Today · 4.125%
HK$90,686
baseline
▲ 0.50% · 4.625%
HK$95,466
+HK$4,780/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$181,372/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,227
−HK$5,658/mo
▼ 0.25% · 3.875%
HK$93,034
−HK$2,851/mo
Today · 4.125%
HK$95,885
baseline
▲ 0.50% · 4.625%
HK$101,720
+HK$5,835/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,770/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,377
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,069
−HK$2,731/mo
Today · 4.125%
HK$105,800
baseline
▲ 0.50% · 4.625%
HK$111,377
+HK$5,577/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,600/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,007
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,615
−HK$3,666/mo
Today · 4.125%
HK$123,281
baseline
▲ 0.50% · 4.625%
HK$130,783
+HK$7,502/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$246,562/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,056
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,517
−HK$3,512/mo
Today · 4.125%
HK$136,029
baseline
▲ 0.50% · 4.625%
HK$143,199
+HK$7,170/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$272,058/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,200 · Scale 2, in force from 26 Feb 2026)