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$64,364
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,366
−HK$2,035/mo
Today · 4.125%
HK$68,401
baseline
▲ 0.50% · 4.625%
HK$72,563
+HK$4,162/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,802/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,605
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,525
−HK$1,948/mo
Today · 4.125%
HK$75,473
baseline
▲ 0.50% · 4.625%
HK$79,452
+HK$3,979/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,946/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,237
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,640
−HK$2,441/mo
Today · 4.125%
HK$82,081
baseline
▲ 0.50% · 4.625%
HK$87,075
+HK$4,994/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,162/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,926
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$88,230
−HK$2,338/mo
Today · 4.125%
HK$90,568
baseline
▲ 0.50% · 4.625%
HK$95,342
+HK$4,774/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,136/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,110
−HK$5,651/mo
▼ 0.25% · 3.875%
HK$92,913
−HK$2,848/mo
Today · 4.125%
HK$95,761
baseline
▲ 0.50% · 4.625%
HK$101,588
+HK$5,827/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,522/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,247
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,935
−HK$2,728/mo
Today · 4.125%
HK$105,663
baseline
▲ 0.50% · 4.625%
HK$111,232
+HK$5,569/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,326/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,856
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,460
−HK$3,661/mo
Today · 4.125%
HK$123,121
baseline
▲ 0.50% · 4.625%
HK$130,613
+HK$7,492/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,242/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,888
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$132,345
−HK$3,507/mo
Today · 4.125%
HK$135,852
baseline
▲ 0.50% · 4.625%
HK$143,013
+HK$7,161/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,704/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,640 · Scale 2, in force from 26 Feb 2026)