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$64,184
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,180
−HK$2,028/mo
Today · 4.125%
HK$68,208
baseline
▲ 0.50% · 4.625%
HK$72,359
+HK$4,151/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,416/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,404
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,319
−HK$1,942/mo
Today · 4.125%
HK$75,261
baseline
▲ 0.50% · 4.625%
HK$79,228
+HK$3,967/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,522/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,020
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$79,416
−HK$2,434/mo
Today · 4.125%
HK$81,850
baseline
▲ 0.50% · 4.625%
HK$86,831
+HK$4,981/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,700/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,684
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,982
−HK$2,332/mo
Today · 4.125%
HK$90,314
baseline
▲ 0.50% · 4.625%
HK$95,074
+HK$4,760/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,628/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,857
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,652
−HK$2,840/mo
Today · 4.125%
HK$95,492
baseline
▲ 0.50% · 4.625%
HK$101,302
+HK$5,810/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,984/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,965
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,646
−HK$2,720/mo
Today · 4.125%
HK$105,366
baseline
▲ 0.50% · 4.625%
HK$110,920
+HK$5,554/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,732/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,530
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,124
−HK$3,651/mo
Today · 4.125%
HK$122,775
baseline
▲ 0.50% · 4.625%
HK$130,246
+HK$7,471/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$245,550/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,526
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$131,973
−HK$3,497/mo
Today · 4.125%
HK$135,470
baseline
▲ 0.50% · 4.625%
HK$142,611
+HK$7,141/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$270,940/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,270 · Scale 2, in force from 26 Feb 2026)