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$64,236
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,234
−HK$2,030/mo
Today · 4.125%
HK$68,264
baseline
▲ 0.50% · 4.625%
HK$72,417
+HK$4,153/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,528/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,461
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,378
−HK$1,944/mo
Today · 4.125%
HK$75,322
baseline
▲ 0.50% · 4.625%
HK$79,293
+HK$3,971/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,644/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,083
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$79,480
−HK$2,436/mo
Today · 4.125%
HK$81,916
baseline
▲ 0.50% · 4.625%
HK$86,901
+HK$4,985/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,832/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,754
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,054
−HK$2,333/mo
Today · 4.125%
HK$90,387
baseline
▲ 0.50% · 4.625%
HK$95,151
+HK$4,764/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,774/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,930
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,727
−HK$2,842/mo
Today · 4.125%
HK$95,569
baseline
▲ 0.50% · 4.625%
HK$101,384
+HK$5,815/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,138/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,046
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,729
−HK$2,722/mo
Today · 4.125%
HK$105,451
baseline
▲ 0.50% · 4.625%
HK$111,010
+HK$5,559/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,902/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,624
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,221
−HK$3,654/mo
Today · 4.125%
HK$122,875
baseline
▲ 0.50% · 4.625%
HK$130,351
+HK$7,476/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,750/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,631
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,080
−HK$3,500/mo
Today · 4.125%
HK$135,580
baseline
▲ 0.50% · 4.625%
HK$142,727
+HK$7,147/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,160/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,239 · Scale 2, in force from 26 Feb 2026)