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$64,276
−HK$4,031/mo
▼ 0.25% · 3.875%
HK$66,275
−HK$2,032/mo
Today · 4.125%
HK$68,307
baseline
▲ 0.50% · 4.625%
HK$72,463
+HK$4,156/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,614/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,506
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,424
−HK$1,946/mo
Today · 4.125%
HK$75,370
baseline
▲ 0.50% · 4.625%
HK$79,343
+HK$3,973/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,740/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,131
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$79,530
−HK$2,438/mo
Today · 4.125%
HK$81,968
baseline
▲ 0.50% · 4.625%
HK$86,956
+HK$4,988/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$163,936/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,808
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$88,109
−HK$2,335/mo
Today · 4.125%
HK$90,444
baseline
▲ 0.50% · 4.625%
HK$95,211
+HK$4,767/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$180,888/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,986
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$92,786
−HK$2,843/mo
Today · 4.125%
HK$95,629
baseline
▲ 0.50% · 4.625%
HK$101,448
+HK$5,819/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,258/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,109
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$102,794
−HK$2,724/mo
Today · 4.125%
HK$105,518
baseline
▲ 0.50% · 4.625%
HK$111,080
+HK$5,562/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,036/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,697
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,296
−HK$3,656/mo
Today · 4.125%
HK$122,952
baseline
▲ 0.50% · 4.625%
HK$130,433
+HK$7,481/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,904/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,712
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,164
−HK$3,501/mo
Today · 4.125%
HK$135,665
baseline
▲ 0.50% · 4.625%
HK$142,817
+HK$7,152/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,330/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,993 · Scale 2, in force from 26 Feb 2026)