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$64,480
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$66,486
−HK$2,038/mo
Today · 4.125%
HK$68,524
baseline
▲ 0.50% · 4.625%
HK$72,693
+HK$4,169/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$137,048/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,733
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$73,657
−HK$1,952/mo
Today · 4.125%
HK$75,609
baseline
▲ 0.50% · 4.625%
HK$79,594
+HK$3,985/mo
Deposit HK$14.14M · loan HK$14.14M · min. income ≈ HK$151,218/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,376
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$79,783
−HK$2,445/mo
Today · 4.125%
HK$82,228
baseline
▲ 0.50% · 4.625%
HK$87,232
+HK$5,004/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$164,456/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,080
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$88,389
−HK$2,342/mo
Today · 4.125%
HK$90,731
baseline
▲ 0.50% · 4.625%
HK$95,513
+HK$4,782/mo
Deposit HK$11.31M · loan HK$16.97M · min. income ≈ HK$181,462/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,272
−HK$5,661/mo
▼ 0.25% · 3.875%
HK$93,080
−HK$2,853/mo
Today · 4.125%
HK$95,933
baseline
▲ 0.50% · 4.625%
HK$101,770
+HK$5,837/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$191,866/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,201,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,427
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$103,120
−HK$2,733/mo
Today · 4.125%
HK$105,853
baseline
▲ 0.50% · 4.625%
HK$111,432
+HK$5,579/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$211,706/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$1,201,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,064
−HK$7,278/mo
▼ 0.25% · 3.875%
HK$119,674
−HK$3,668/mo
Today · 4.125%
HK$123,342
baseline
▲ 0.50% · 4.625%
HK$130,847
+HK$7,505/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$246,684/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,120
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$132,583
−HK$3,513/mo
Today · 4.125%
HK$136,096
baseline
▲ 0.50% · 4.625%
HK$143,270
+HK$7,174/mo
Deposit HK$2.83M · loan HK$25.45M · min. income ≈ HK$272,192/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,796 · Scale 2, in force from 26 Feb 2026)