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$64,308
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,308
−HK$2,033/mo
Today · 4.125%
HK$68,341
baseline
▲ 0.50% · 4.625%
HK$72,499
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,682/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,542
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,461
−HK$1,946/mo
Today · 4.125%
HK$75,407
baseline
▲ 0.50% · 4.625%
HK$79,382
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,814/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,170
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,570
−HK$2,439/mo
Today · 4.125%
HK$82,009
baseline
▲ 0.50% · 4.625%
HK$86,999
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,018/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,851
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$88,153
−HK$2,336/mo
Today · 4.125%
HK$90,489
baseline
▲ 0.50% · 4.625%
HK$95,259
+HK$4,770/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,978/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,031
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,832
−HK$2,845/mo
Today · 4.125%
HK$95,677
baseline
▲ 0.50% · 4.625%
HK$101,499
+HK$5,822/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,354/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,159
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,845
−HK$2,725/mo
Today · 4.125%
HK$105,570
baseline
▲ 0.50% · 4.625%
HK$111,135
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,140/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,755
−HK$7,258/mo
▼ 0.25% · 3.875%
HK$119,355
−HK$3,658/mo
Today · 4.125%
HK$123,013
baseline
▲ 0.50% · 4.625%
HK$130,499
+HK$7,486/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,026/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,776
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,230
−HK$3,503/mo
Today · 4.125%
HK$135,733
baseline
▲ 0.50% · 4.625%
HK$142,888
+HK$7,155/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,466/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,592 · Scale 2, in force from 26 Feb 2026)