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$64,374
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,377
−HK$2,034/mo
Today · 4.125%
HK$68,411
baseline
▲ 0.50% · 4.625%
HK$72,574
+HK$4,163/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,822/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,616
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,537
−HK$1,948/mo
Today · 4.125%
HK$75,485
baseline
▲ 0.50% · 4.625%
HK$79,464
+HK$3,979/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$150,970/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,199,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,249
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$79,652
−HK$2,441/mo
Today · 4.125%
HK$82,093
baseline
▲ 0.50% · 4.625%
HK$87,089
+HK$4,996/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,186/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,939
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$88,244
−HK$2,338/mo
Today · 4.125%
HK$90,582
baseline
▲ 0.50% · 4.625%
HK$95,357
+HK$4,775/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,164/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,124
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,927
−HK$2,849/mo
Today · 4.125%
HK$95,776
baseline
▲ 0.50% · 4.625%
HK$101,603
+HK$5,827/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,552/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,262
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$102,951
−HK$2,728/mo
Today · 4.125%
HK$105,679
baseline
▲ 0.50% · 4.625%
HK$111,249
+HK$5,570/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,358/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,874
−HK$7,266/mo
▼ 0.25% · 3.875%
HK$119,478
−HK$3,662/mo
Today · 4.125%
HK$123,140
baseline
▲ 0.50% · 4.625%
HK$130,633
+HK$7,493/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,280/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,908
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,366
−HK$3,507/mo
Today · 4.125%
HK$135,873
baseline
▲ 0.50% · 4.625%
HK$143,035
+HK$7,162/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,746/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,826 · Scale 2, in force from 26 Feb 2026)