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$64,342
−HK$4,035/mo
▼ 0.25% · 3.875%
HK$66,344
−HK$2,033/mo
Today · 4.125%
HK$68,377
baseline
▲ 0.50% · 4.625%
HK$72,538
+HK$4,161/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,754/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,580
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$73,500
−HK$1,947/mo
Today · 4.125%
HK$75,447
baseline
▲ 0.50% · 4.625%
HK$79,424
+HK$3,977/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,894/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,211
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$79,612
−HK$2,440/mo
Today · 4.125%
HK$82,052
baseline
▲ 0.50% · 4.625%
HK$87,045
+HK$4,993/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,104/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,896
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,200
−HK$2,337/mo
Today · 4.125%
HK$90,537
baseline
▲ 0.50% · 4.625%
HK$95,309
+HK$4,772/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,074/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,079
−HK$5,649/mo
▼ 0.25% · 3.875%
HK$92,881
−HK$2,847/mo
Today · 4.125%
HK$95,728
baseline
▲ 0.50% · 4.625%
HK$101,553
+HK$5,825/mo
Deposit HK$8.47M · loan HK$19.75M · min. income ≈ HK$191,456/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,212
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$102,900
−HK$2,726/mo
Today · 4.125%
HK$105,626
baseline
▲ 0.50% · 4.625%
HK$111,194
+HK$5,568/mo
Deposit HK$8.47M · loan HK$19.75M · min. income ≈ HK$211,252/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,199,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,816
−HK$7,263/mo
▼ 0.25% · 3.875%
HK$119,419
−HK$3,660/mo
Today · 4.125%
HK$123,079
baseline
▲ 0.50% · 4.625%
HK$130,568
+HK$7,489/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,158/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,844
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$132,300
−HK$3,505/mo
Today · 4.125%
HK$135,805
baseline
▲ 0.50% · 4.625%
HK$142,964
+HK$7,159/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,610/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,227 · Scale 2, in force from 26 Feb 2026)