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$64,423
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$66,427
−HK$2,036/mo
Today · 4.125%
HK$68,463
baseline
▲ 0.50% · 4.625%
HK$72,629
+HK$4,166/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,926/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,670
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,593
−HK$1,950/mo
Today · 4.125%
HK$75,543
baseline
▲ 0.50% · 4.625%
HK$79,525
+HK$3,982/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,086/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,308
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,713
−HK$2,443/mo
Today · 4.125%
HK$82,156
baseline
▲ 0.50% · 4.625%
HK$87,155
+HK$4,999/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,312/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,005
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$88,311
−HK$2,340/mo
Today · 4.125%
HK$90,651
baseline
▲ 0.50% · 4.625%
HK$95,429
+HK$4,778/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,302/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,193
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$92,998
−HK$2,851/mo
Today · 4.125%
HK$95,849
baseline
▲ 0.50% · 4.625%
HK$101,681
+HK$5,832/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,698/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,339
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,030
−HK$2,730/mo
Today · 4.125%
HK$105,760
baseline
▲ 0.50% · 4.625%
HK$111,334
+HK$5,574/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,520/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,962
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$119,569
−HK$3,665/mo
Today · 4.125%
HK$123,234
baseline
▲ 0.50% · 4.625%
HK$130,733
+HK$7,499/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$246,468/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,007
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$132,467
−HK$3,510/mo
Today · 4.125%
HK$135,977
baseline
▲ 0.50% · 4.625%
HK$143,144
+HK$7,167/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$271,954/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,741 · Scale 2, in force from 26 Feb 2026)