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$64,384
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$66,387
−HK$2,034/mo
Today · 4.125%
HK$68,421
baseline
▲ 0.50% · 4.625%
HK$72,585
+HK$4,164/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$136,842/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,627
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$73,548
−HK$1,948/mo
Today · 4.125%
HK$75,496
baseline
▲ 0.50% · 4.625%
HK$79,476
+HK$3,980/mo
Deposit HK$14.12M · loan HK$14.12M · min. income ≈ HK$150,992/mo (50% DSR)
Upfront cash ≈ HK$15.32M (deposit + AVD stamp duty HK$1,200,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,261
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,664
−HK$2,442/mo
Today · 4.125%
HK$82,106
baseline
▲ 0.50% · 4.625%
HK$87,102
+HK$4,996/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$164,212/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,952
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$88,257
−HK$2,339/mo
Today · 4.125%
HK$90,596
baseline
▲ 0.50% · 4.625%
HK$95,371
+HK$4,775/mo
Deposit HK$11.29M · loan HK$16.94M · min. income ≈ HK$181,192/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,200,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,138
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$92,941
−HK$2,849/mo
Today · 4.125%
HK$95,790
baseline
▲ 0.50% · 4.625%
HK$101,619
+HK$5,829/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,580/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,277
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$102,967
−HK$2,728/mo
Today · 4.125%
HK$105,695
baseline
▲ 0.50% · 4.625%
HK$111,266
+HK$5,571/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,390/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,200,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,891
−HK$7,268/mo
▼ 0.25% · 3.875%
HK$119,496
−HK$3,663/mo
Today · 4.125%
HK$123,159
baseline
▲ 0.50% · 4.625%
HK$130,653
+HK$7,494/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$246,318/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,928
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$132,386
−HK$3,507/mo
Today · 4.125%
HK$135,893
baseline
▲ 0.50% · 4.625%
HK$143,057
+HK$7,164/mo
Deposit HK$2.82M · loan HK$25.41M · min. income ≈ HK$271,786/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,200,006 · Scale 2, in force from 26 Feb 2026)