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$64,307
−HK$4,033/mo
▼ 0.25% · 3.875%
HK$66,308
−HK$2,032/mo
Today · 4.125%
HK$68,340
baseline
▲ 0.50% · 4.625%
HK$72,498
+HK$4,158/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$136,680/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,541
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$73,460
−HK$1,946/mo
Today · 4.125%
HK$75,406
baseline
▲ 0.50% · 4.625%
HK$79,381
+HK$3,975/mo
Deposit HK$14.10M · loan HK$14.10M · min. income ≈ HK$150,812/mo (50% DSR)
Upfront cash ≈ HK$15.30M (deposit + AVD stamp duty HK$1,198,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,169
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$79,569
−HK$2,439/mo
Today · 4.125%
HK$82,008
baseline
▲ 0.50% · 4.625%
HK$86,998
+HK$4,990/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$164,016/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,849
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$88,152
−HK$2,336/mo
Today · 4.125%
HK$90,488
baseline
▲ 0.50% · 4.625%
HK$95,257
+HK$4,769/mo
Deposit HK$11.28M · loan HK$16.92M · min. income ≈ HK$180,976/mo (50% DSR)
Upfront cash ≈ HK$12.48M (deposit + AVD stamp duty HK$1,198,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,030
−HK$5,646/mo
▼ 0.25% · 3.875%
HK$92,831
−HK$2,845/mo
Today · 4.125%
HK$95,676
baseline
▲ 0.50% · 4.625%
HK$101,497
+HK$5,821/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$191,352/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,158
−HK$5,411/mo
▼ 0.25% · 3.875%
HK$102,844
−HK$2,725/mo
Today · 4.125%
HK$105,569
baseline
▲ 0.50% · 4.625%
HK$111,134
+HK$5,565/mo
Deposit HK$8.46M · loan HK$19.74M · min. income ≈ HK$211,138/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$1,198,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,753
−HK$7,259/mo
▼ 0.25% · 3.875%
HK$119,354
−HK$3,658/mo
Today · 4.125%
HK$123,012
baseline
▲ 0.50% · 4.625%
HK$130,497
+HK$7,485/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$246,024/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,774
−HK$6,957/mo
▼ 0.25% · 3.875%
HK$132,228
−HK$3,503/mo
Today · 4.125%
HK$135,731
baseline
▲ 0.50% · 4.625%
HK$142,886
+HK$7,155/mo
Deposit HK$2.82M · loan HK$25.38M · min. income ≈ HK$271,462/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,575 · Scale 2, in force from 26 Feb 2026)