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$64,354
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,356
−HK$2,034/mo
Today · 4.125%
HK$68,390
baseline
▲ 0.50% · 4.625%
HK$72,551
+HK$4,161/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,780/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,594
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,514
−HK$1,948/mo
Today · 4.125%
HK$75,462
baseline
▲ 0.50% · 4.625%
HK$79,439
+HK$3,977/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,924/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,225
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,627
−HK$2,441/mo
Today · 4.125%
HK$82,068
baseline
▲ 0.50% · 4.625%
HK$87,062
+HK$4,994/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,136/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,912
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,216
−HK$2,338/mo
Today · 4.125%
HK$90,554
baseline
▲ 0.50% · 4.625%
HK$95,327
+HK$4,773/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,108/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,096
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,899
−HK$2,847/mo
Today · 4.125%
HK$95,746
baseline
▲ 0.50% · 4.625%
HK$101,572
+HK$5,826/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,492/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,231
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$102,919
−HK$2,727/mo
Today · 4.125%
HK$105,646
baseline
▲ 0.50% · 4.625%
HK$111,215
+HK$5,569/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,292/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,838
−HK$7,264/mo
▼ 0.25% · 3.875%
HK$119,441
−HK$3,661/mo
Today · 4.125%
HK$123,102
baseline
▲ 0.50% · 4.625%
HK$130,592
+HK$7,490/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,204/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,869
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$132,325
−HK$3,506/mo
Today · 4.125%
HK$135,831
baseline
▲ 0.50% · 4.625%
HK$142,991
+HK$7,160/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,662/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,454 · Scale 2, in force from 26 Feb 2026)