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$64,293
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,293
−HK$2,031/mo
Today · 4.125%
HK$68,324
baseline
▲ 0.50% · 4.625%
HK$72,482
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,648/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,525
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,443
−HK$1,946/mo
Today · 4.125%
HK$75,389
baseline
▲ 0.50% · 4.625%
HK$79,363
+HK$3,974/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,778/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,151
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,551
−HK$2,438/mo
Today · 4.125%
HK$81,989
baseline
▲ 0.50% · 4.625%
HK$86,978
+HK$4,989/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$163,978/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,830
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,132
−HK$2,335/mo
Today · 4.125%
HK$90,467
baseline
▲ 0.50% · 4.625%
HK$95,236
+HK$4,769/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,934/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,010
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,810
−HK$2,844/mo
Today · 4.125%
HK$95,654
baseline
▲ 0.50% · 4.625%
HK$101,475
+HK$5,821/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,308/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,135
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,821
−HK$2,724/mo
Today · 4.125%
HK$105,545
baseline
▲ 0.50% · 4.625%
HK$111,108
+HK$5,563/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,090/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,727
−HK$7,257/mo
▼ 0.25% · 3.875%
HK$119,327
−HK$3,657/mo
Today · 4.125%
HK$122,984
baseline
▲ 0.50% · 4.625%
HK$130,467
+HK$7,483/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$245,968/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,745
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$132,198
−HK$3,503/mo
Today · 4.125%
HK$135,701
baseline
▲ 0.50% · 4.625%
HK$142,854
+HK$7,153/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,402/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,305 · Scale 2, in force from 26 Feb 2026)