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$64,443
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,447
−HK$2,037/mo
Today · 4.125%
HK$68,484
baseline
▲ 0.50% · 4.625%
HK$72,651
+HK$4,167/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,968/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,692
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$73,615
−HK$1,950/mo
Today · 4.125%
HK$75,565
baseline
▲ 0.50% · 4.625%
HK$79,548
+HK$3,983/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,130/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,331
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,737
−HK$2,444/mo
Today · 4.125%
HK$82,181
baseline
▲ 0.50% · 4.625%
HK$87,181
+HK$5,000/mo
Deposit HK$11.30M · loan HK$16.96M · min. income ≈ HK$164,362/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,030
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$88,337
−HK$2,341/mo
Today · 4.125%
HK$90,678
baseline
▲ 0.50% · 4.625%
HK$95,458
+HK$4,780/mo
Deposit HK$11.30M · loan HK$16.96M · min. income ≈ HK$181,356/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,220
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,026
−HK$2,851/mo
Today · 4.125%
HK$95,877
baseline
▲ 0.50% · 4.625%
HK$101,711
+HK$5,834/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,754/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,368
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$103,060
−HK$2,731/mo
Today · 4.125%
HK$105,791
baseline
▲ 0.50% · 4.625%
HK$111,367
+HK$5,576/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,582/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,997
−HK$7,274/mo
▼ 0.25% · 3.875%
HK$119,605
−HK$3,666/mo
Today · 4.125%
HK$123,271
baseline
▲ 0.50% · 4.625%
HK$130,771
+HK$7,500/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$246,542/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,045
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$132,506
−HK$3,511/mo
Today · 4.125%
HK$136,017
baseline
▲ 0.50% · 4.625%
HK$143,187
+HK$7,170/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$272,034/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,099 · Scale 2, in force from 26 Feb 2026)