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$64,198
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,195
−HK$2,029/mo
Today · 4.125%
HK$68,224
baseline
▲ 0.50% · 4.625%
HK$72,375
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,448/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,420
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,335
−HK$1,943/mo
Today · 4.125%
HK$75,278
baseline
▲ 0.50% · 4.625%
HK$79,246
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,556/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,038
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,434
−HK$2,434/mo
Today · 4.125%
HK$81,868
baseline
▲ 0.50% · 4.625%
HK$86,850
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,736/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,703
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,002
−HK$2,332/mo
Today · 4.125%
HK$90,334
baseline
▲ 0.50% · 4.625%
HK$95,095
+HK$4,761/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,668/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,877
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,673
−HK$2,840/mo
Today · 4.125%
HK$95,513
baseline
▲ 0.50% · 4.625%
HK$101,325
+HK$5,812/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,026/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,987
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,669
−HK$2,720/mo
Today · 4.125%
HK$105,389
baseline
▲ 0.50% · 4.625%
HK$110,945
+HK$5,556/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,778/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,556
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,151
−HK$3,652/mo
Today · 4.125%
HK$122,803
baseline
▲ 0.50% · 4.625%
HK$130,275
+HK$7,472/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,606/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,555
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,003
−HK$3,498/mo
Today · 4.125%
HK$135,501
baseline
▲ 0.50% · 4.625%
HK$142,643
+HK$7,142/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,002/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,538 · Scale 2, in force from 26 Feb 2026)