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$64,275
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,275
−HK$2,031/mo
Today · 4.125%
HK$68,306
baseline
▲ 0.50% · 4.625%
HK$72,462
+HK$4,156/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,612/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,506
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,423
−HK$1,946/mo
Today · 4.125%
HK$75,369
baseline
▲ 0.50% · 4.625%
HK$79,342
+HK$3,973/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,738/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,130
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,530
−HK$2,437/mo
Today · 4.125%
HK$81,967
baseline
▲ 0.50% · 4.625%
HK$86,955
+HK$4,988/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$163,934/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,807
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,108
−HK$2,335/mo
Today · 4.125%
HK$90,443
baseline
▲ 0.50% · 4.625%
HK$95,210
+HK$4,767/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$180,886/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,985
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,785
−HK$2,843/mo
Today · 4.125%
HK$95,628
baseline
▲ 0.50% · 4.625%
HK$101,447
+HK$5,819/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,256/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,108
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,793
−HK$2,723/mo
Today · 4.125%
HK$105,516
baseline
▲ 0.50% · 4.625%
HK$111,078
+HK$5,562/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,032/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,696
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,294
−HK$3,657/mo
Today · 4.125%
HK$122,951
baseline
▲ 0.50% · 4.625%
HK$130,432
+HK$7,481/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,902/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,710
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,162
−HK$3,502/mo
Today · 4.125%
HK$135,664
baseline
▲ 0.50% · 4.625%
HK$142,815
+HK$7,151/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,328/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,981 · Scale 2, in force from 26 Feb 2026)