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$64,517
−HK$4,045/mo
▼ 0.25% · 3.875%
HK$66,524
−HK$2,038/mo
Today · 4.125%
HK$68,562
baseline
▲ 0.50% · 4.625%
HK$72,734
+HK$4,172/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$137,124/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,774
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$73,699
−HK$1,953/mo
Today · 4.125%
HK$75,652
baseline
▲ 0.50% · 4.625%
HK$79,640
+HK$3,988/mo
Deposit HK$14.15M · loan HK$14.15M · min. income ≈ HK$151,304/mo (50% DSR)
Upfront cash ≈ HK$15.35M (deposit + AVD stamp duty HK$1,202,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,420
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$79,828
−HK$2,447/mo
Today · 4.125%
HK$82,275
baseline
▲ 0.50% · 4.625%
HK$87,281
+HK$5,006/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$164,550/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,129
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$88,439
−HK$2,343/mo
Today · 4.125%
HK$90,782
baseline
▲ 0.50% · 4.625%
HK$95,568
+HK$4,786/mo
Deposit HK$11.32M · loan HK$16.98M · min. income ≈ HK$181,564/mo (50% DSR)
Upfront cash ≈ HK$12.52M (deposit + AVD stamp duty HK$1,202,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,323
−HK$5,664/mo
▼ 0.25% · 3.875%
HK$93,133
−HK$2,854/mo
Today · 4.125%
HK$95,987
baseline
▲ 0.50% · 4.625%
HK$101,828
+HK$5,841/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$191,974/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,484
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$103,179
−HK$2,734/mo
Today · 4.125%
HK$105,913
baseline
▲ 0.50% · 4.625%
HK$111,496
+HK$5,583/mo
Deposit HK$8.49M · loan HK$19.81M · min. income ≈ HK$211,826/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,202,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,130
−HK$7,282/mo
▼ 0.25% · 3.875%
HK$119,742
−HK$3,670/mo
Today · 4.125%
HK$123,412
baseline
▲ 0.50% · 4.625%
HK$130,922
+HK$7,510/mo
Deposit HK$2.83M · loan HK$25.46M · min. income ≈ HK$246,824/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,194
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$132,658
−HK$3,516/mo
Today · 4.125%
HK$136,174
baseline
▲ 0.50% · 4.625%
HK$143,351
+HK$7,177/mo
Deposit HK$2.83M · loan HK$25.46M · min. income ≈ HK$272,348/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,202,480 · Scale 2, in force from 26 Feb 2026)