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$64,204
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,201
−HK$2,029/mo
Today · 4.125%
HK$68,230
baseline
▲ 0.50% · 4.625%
HK$72,382
+HK$4,152/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,460/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,426
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,342
−HK$1,943/mo
Today · 4.125%
HK$75,285
baseline
▲ 0.50% · 4.625%
HK$79,253
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,570/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,045
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,441
−HK$2,435/mo
Today · 4.125%
HK$81,876
baseline
▲ 0.50% · 4.625%
HK$86,858
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,752/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,711
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,010
−HK$2,332/mo
Today · 4.125%
HK$90,342
baseline
▲ 0.50% · 4.625%
HK$95,104
+HK$4,762/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,684/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,885
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,681
−HK$2,841/mo
Today · 4.125%
HK$95,522
baseline
▲ 0.50% · 4.625%
HK$101,334
+HK$5,812/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,044/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,997
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,678
−HK$2,721/mo
Today · 4.125%
HK$105,399
baseline
▲ 0.50% · 4.625%
HK$110,955
+HK$5,556/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,798/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,567
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,162
−HK$3,652/mo
Today · 4.125%
HK$122,814
baseline
▲ 0.50% · 4.625%
HK$130,287
+HK$7,473/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,628/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,567
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,015
−HK$3,498/mo
Today · 4.125%
HK$135,513
baseline
▲ 0.50% · 4.625%
HK$142,656
+HK$7,143/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,026/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,647 · Scale 2, in force from 26 Feb 2026)