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$64,355
−HK$4,036/mo
▼ 0.25% · 3.875%
HK$66,357
−HK$2,034/mo
Today · 4.125%
HK$68,391
baseline
▲ 0.50% · 4.625%
HK$72,552
+HK$4,161/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$136,782/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,595
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$73,515
−HK$1,948/mo
Today · 4.125%
HK$75,463
baseline
▲ 0.50% · 4.625%
HK$79,440
+HK$3,977/mo
Deposit HK$14.11M · loan HK$14.11M · min. income ≈ HK$150,926/mo (50% DSR)
Upfront cash ≈ HK$15.31M (deposit + AVD stamp duty HK$1,199,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,226
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$79,628
−HK$2,441/mo
Today · 4.125%
HK$82,069
baseline
▲ 0.50% · 4.625%
HK$87,063
+HK$4,994/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$164,138/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,914
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$88,218
−HK$2,337/mo
Today · 4.125%
HK$90,555
baseline
▲ 0.50% · 4.625%
HK$95,328
+HK$4,773/mo
Deposit HK$11.29M · loan HK$16.93M · min. income ≈ HK$181,110/mo (50% DSR)
Upfront cash ≈ HK$12.49M (deposit + AVD stamp duty HK$1,199,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,097
−HK$5,650/mo
▼ 0.25% · 3.875%
HK$92,900
−HK$2,847/mo
Today · 4.125%
HK$95,747
baseline
▲ 0.50% · 4.625%
HK$101,573
+HK$5,826/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$191,494/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,232
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$102,921
−HK$2,727/mo
Today · 4.125%
HK$105,648
baseline
▲ 0.50% · 4.625%
HK$111,217
+HK$5,569/mo
Deposit HK$8.47M · loan HK$19.76M · min. income ≈ HK$211,296/mo (50% DSR)
Upfront cash ≈ HK$9.67M (deposit + AVD stamp duty HK$1,199,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,839
−HK$7,265/mo
▼ 0.25% · 3.875%
HK$119,443
−HK$3,661/mo
Today · 4.125%
HK$123,104
baseline
▲ 0.50% · 4.625%
HK$130,594
+HK$7,490/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$246,208/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,870
−HK$6,963/mo
▼ 0.25% · 3.875%
HK$132,326
−HK$3,507/mo
Today · 4.125%
HK$135,833
baseline
▲ 0.50% · 4.625%
HK$142,993
+HK$7,160/mo
Deposit HK$2.82M · loan HK$25.40M · min. income ≈ HK$271,666/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,199,470 · Scale 2, in force from 26 Feb 2026)