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$64,234
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,232
−HK$2,030/mo
Today · 4.125%
HK$68,262
baseline
▲ 0.50% · 4.625%
HK$72,415
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,524/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,459
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,376
−HK$1,944/mo
Today · 4.125%
HK$75,320
baseline
▲ 0.50% · 4.625%
HK$79,290
+HK$3,970/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,640/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,081
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,478
−HK$2,436/mo
Today · 4.125%
HK$81,914
baseline
▲ 0.50% · 4.625%
HK$86,898
+HK$4,984/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,828/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,751
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,051
−HK$2,333/mo
Today · 4.125%
HK$90,384
baseline
▲ 0.50% · 4.625%
HK$95,148
+HK$4,764/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,768/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,927
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,725
−HK$2,842/mo
Today · 4.125%
HK$95,567
baseline
▲ 0.50% · 4.625%
HK$101,382
+HK$5,815/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,134/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,043
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,726
−HK$2,722/mo
Today · 4.125%
HK$105,448
baseline
▲ 0.50% · 4.625%
HK$111,007
+HK$5,559/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,896/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,621
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,217
−HK$3,654/mo
Today · 4.125%
HK$122,871
baseline
▲ 0.50% · 4.625%
HK$130,348
+HK$7,477/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,742/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,627
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,077
−HK$3,499/mo
Today · 4.125%
HK$135,576
baseline
▲ 0.50% · 4.625%
HK$142,723
+HK$7,147/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,152/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,206 · Scale 2, in force from 26 Feb 2026)