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$64,370
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,372
−HK$2,034/mo
Today · 4.125%
HK$68,406
baseline
▲ 0.50% · 4.625%
HK$72,569
+HK$4,163/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,812/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,611
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,531
−HK$1,949/mo
Today · 4.125%
HK$75,480
baseline
▲ 0.50% · 4.625%
HK$79,458
+HK$3,978/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,960/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,244
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,646
−HK$2,441/mo
Today · 4.125%
HK$82,087
baseline
▲ 0.50% · 4.625%
HK$87,082
+HK$4,995/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,174/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,933
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,237
−HK$2,338/mo
Today · 4.125%
HK$90,575
baseline
▲ 0.50% · 4.625%
HK$95,350
+HK$4,775/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,150/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,118
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,921
−HK$2,848/mo
Today · 4.125%
HK$95,769
baseline
▲ 0.50% · 4.625%
HK$101,596
+HK$5,827/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,538/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,255
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,944
−HK$2,727/mo
Today · 4.125%
HK$105,671
baseline
▲ 0.50% · 4.625%
HK$111,241
+HK$5,570/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,342/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,865
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,470
−HK$3,661/mo
Today · 4.125%
HK$123,131
baseline
▲ 0.50% · 4.625%
HK$130,623
+HK$7,492/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,262/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,899
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,356
−HK$3,507/mo
Today · 4.125%
HK$135,863
baseline
▲ 0.50% · 4.625%
HK$143,025
+HK$7,162/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,726/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,739 · Scale 2, in force from 26 Feb 2026)