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$64,197
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,194
−HK$2,029/mo
Today · 4.125%
HK$68,223
baseline
▲ 0.50% · 4.625%
HK$72,374
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,446/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,418
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,334
−HK$1,943/mo
Today · 4.125%
HK$75,277
baseline
▲ 0.50% · 4.625%
HK$79,245
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,554/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,036
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,433
−HK$2,434/mo
Today · 4.125%
HK$81,867
baseline
▲ 0.50% · 4.625%
HK$86,849
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,734/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,702
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$88,001
−HK$2,331/mo
Today · 4.125%
HK$90,332
baseline
▲ 0.50% · 4.625%
HK$95,094
+HK$4,762/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,664/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,876
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,671
−HK$2,841/mo
Today · 4.125%
HK$95,512
baseline
▲ 0.50% · 4.625%
HK$101,323
+HK$5,811/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,024/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,986
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,667
−HK$2,721/mo
Today · 4.125%
HK$105,388
baseline
▲ 0.50% · 4.625%
HK$110,943
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,776/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,554
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,149
−HK$3,652/mo
Today · 4.125%
HK$122,801
baseline
▲ 0.50% · 4.625%
HK$130,273
+HK$7,472/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,602/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,553
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,001
−HK$3,498/mo
Today · 4.125%
HK$135,499
baseline
▲ 0.50% · 4.625%
HK$142,641
+HK$7,142/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$270,998/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,519 · Scale 2, in force from 26 Feb 2026)