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$64,457
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,462
−HK$2,037/mo
Today · 4.125%
HK$68,499
baseline
▲ 0.50% · 4.625%
HK$72,667
+HK$4,168/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,998/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,708
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,631
−HK$1,951/mo
Today · 4.125%
HK$75,582
baseline
▲ 0.50% · 4.625%
HK$79,566
+HK$3,984/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,164/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,348
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$79,754
−HK$2,445/mo
Today · 4.125%
HK$82,199
baseline
▲ 0.50% · 4.625%
HK$87,200
+HK$5,001/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$164,398/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,049
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,357
−HK$2,341/mo
Today · 4.125%
HK$90,698
baseline
▲ 0.50% · 4.625%
HK$95,479
+HK$4,781/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$181,396/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,240
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,047
−HK$2,852/mo
Today · 4.125%
HK$95,899
baseline
▲ 0.50% · 4.625%
HK$101,734
+HK$5,835/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$191,798/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,391
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,083
−HK$2,732/mo
Today · 4.125%
HK$105,815
baseline
▲ 0.50% · 4.625%
HK$111,392
+HK$5,577/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$211,630/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,022
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,631
−HK$3,667/mo
Today · 4.125%
HK$123,298
baseline
▲ 0.50% · 4.625%
HK$130,801
+HK$7,503/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$246,596/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,074
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$132,536
−HK$3,511/mo
Today · 4.125%
HK$136,047
baseline
▲ 0.50% · 4.625%
HK$143,219
+HK$7,172/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$272,094/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,365 · Scale 2, in force from 26 Feb 2026)