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$64,249
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,248
−HK$2,030/mo
Today · 4.125%
HK$68,278
baseline
▲ 0.50% · 4.625%
HK$72,433
+HK$4,155/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,556/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,477
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,394
−HK$1,944/mo
Today · 4.125%
HK$75,338
baseline
▲ 0.50% · 4.625%
HK$79,310
+HK$3,972/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,676/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,099
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,497
−HK$2,437/mo
Today · 4.125%
HK$81,934
baseline
▲ 0.50% · 4.625%
HK$86,919
+HK$4,985/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,868/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,772
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,072
−HK$2,334/mo
Today · 4.125%
HK$90,406
baseline
▲ 0.50% · 4.625%
HK$95,171
+HK$4,765/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,812/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,949
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,747
−HK$2,843/mo
Today · 4.125%
HK$95,590
baseline
▲ 0.50% · 4.625%
HK$101,406
+HK$5,816/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,180/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,067
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,751
−HK$2,723/mo
Today · 4.125%
HK$105,474
baseline
▲ 0.50% · 4.625%
HK$111,033
+HK$5,559/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,948/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,649
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,246
−HK$3,655/mo
Today · 4.125%
HK$122,901
baseline
▲ 0.50% · 4.625%
HK$130,379
+HK$7,478/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,802/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,658
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,109
−HK$3,500/mo
Today · 4.125%
HK$135,609
baseline
▲ 0.50% · 4.625%
HK$142,757
+HK$7,148/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,218/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,495 · Scale 2, in force from 26 Feb 2026)