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$64,175
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,171
−HK$2,028/mo
Today · 4.125%
HK$68,199
baseline
▲ 0.50% · 4.625%
HK$72,349
+HK$4,150/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,398/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,394
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,309
−HK$1,942/mo
Today · 4.125%
HK$75,251
baseline
▲ 0.50% · 4.625%
HK$79,218
+HK$3,967/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,502/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,010
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,405
−HK$2,434/mo
Today · 4.125%
HK$81,839
baseline
▲ 0.50% · 4.625%
HK$86,819
+HK$4,980/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,678/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,196,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,673
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,970
−HK$2,331/mo
Today · 4.125%
HK$90,301
baseline
▲ 0.50% · 4.625%
HK$95,061
+HK$4,760/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,602/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,196,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,845
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,640
−HK$2,839/mo
Today · 4.125%
HK$95,479
baseline
▲ 0.50% · 4.625%
HK$101,289
+HK$5,810/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,958/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,952
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,632
−HK$2,720/mo
Today · 4.125%
HK$105,352
baseline
▲ 0.50% · 4.625%
HK$110,905
+HK$5,553/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,704/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,515
−HK$7,244/mo
▼ 0.25% · 3.875%
HK$119,108
−HK$3,651/mo
Today · 4.125%
HK$122,759
baseline
▲ 0.50% · 4.625%
HK$130,228
+HK$7,469/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$245,518/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,509
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,956
−HK$3,496/mo
Today · 4.125%
HK$135,452
baseline
▲ 0.50% · 4.625%
HK$142,592
+HK$7,140/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$270,904/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,110 · Scale 2, in force from 26 Feb 2026)