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$64,427
−HK$4,041/mo
▼ 0.25% · 3.875%
HK$66,432
−HK$2,036/mo
Today · 4.125%
HK$68,468
baseline
▲ 0.50% · 4.625%
HK$72,634
+HK$4,166/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$136,936/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,675
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$73,597
−HK$1,950/mo
Today · 4.125%
HK$75,547
baseline
▲ 0.50% · 4.625%
HK$79,529
+HK$3,982/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,094/mo (50% DSR)
Upfront cash ≈ HK$15.33M (deposit + AVD stamp duty HK$1,200,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,313
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$79,718
−HK$2,443/mo
Today · 4.125%
HK$82,161
baseline
▲ 0.50% · 4.625%
HK$87,160
+HK$4,999/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$164,322/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,010
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$88,317
−HK$2,340/mo
Today · 4.125%
HK$90,657
baseline
▲ 0.50% · 4.625%
HK$95,435
+HK$4,778/mo
Deposit HK$11.30M · loan HK$16.95M · min. income ≈ HK$181,314/mo (50% DSR)
Upfront cash ≈ HK$12.50M (deposit + AVD stamp duty HK$1,200,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,198
−HK$5,657/mo
▼ 0.25% · 3.875%
HK$93,004
−HK$2,851/mo
Today · 4.125%
HK$95,855
baseline
▲ 0.50% · 4.625%
HK$101,687
+HK$5,832/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$191,710/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,345
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$103,036
−HK$2,730/mo
Today · 4.125%
HK$105,766
baseline
▲ 0.50% · 4.625%
HK$111,341
+HK$5,575/mo
Deposit HK$8.48M · loan HK$19.78M · min. income ≈ HK$211,532/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,200,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,969
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$119,577
−HK$3,665/mo
Today · 4.125%
HK$123,242
baseline
▲ 0.50% · 4.625%
HK$130,741
+HK$7,499/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$246,484/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,015
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$132,475
−HK$3,510/mo
Today · 4.125%
HK$135,985
baseline
▲ 0.50% · 4.625%
HK$143,153
+HK$7,168/mo
Deposit HK$2.83M · loan HK$25.43M · min. income ≈ HK$271,970/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,200,816 · Scale 2, in force from 26 Feb 2026)