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$64,169
−HK$4,024/mo
▼ 0.25% · 3.875%
HK$66,165
−HK$2,028/mo
Today · 4.125%
HK$68,193
baseline
▲ 0.50% · 4.625%
HK$72,342
+HK$4,149/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,386/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,195,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,387
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$73,302
−HK$1,942/mo
Today · 4.125%
HK$75,244
baseline
▲ 0.50% · 4.625%
HK$79,210
+HK$3,966/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,488/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,195,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,003
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,398
−HK$2,433/mo
Today · 4.125%
HK$81,831
baseline
▲ 0.50% · 4.625%
HK$86,811
+HK$4,980/mo
Deposit HK$11.26M · loan HK$16.88M · min. income ≈ HK$163,662/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,665
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,962
−HK$2,331/mo
Today · 4.125%
HK$90,293
baseline
▲ 0.50% · 4.625%
HK$95,052
+HK$4,759/mo
Deposit HK$11.26M · loan HK$16.88M · min. income ≈ HK$180,586/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,836
−HK$5,634/mo
▼ 0.25% · 3.875%
HK$92,631
−HK$2,839/mo
Today · 4.125%
HK$95,470
baseline
▲ 0.50% · 4.625%
HK$101,279
+HK$5,809/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,940/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,942
−HK$5,400/mo
▼ 0.25% · 3.875%
HK$102,622
−HK$2,720/mo
Today · 4.125%
HK$105,342
baseline
▲ 0.50% · 4.625%
HK$110,894
+HK$5,552/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,684/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,504
−HK$7,243/mo
▼ 0.25% · 3.875%
HK$119,097
−HK$3,650/mo
Today · 4.125%
HK$122,747
baseline
▲ 0.50% · 4.625%
HK$130,216
+HK$7,469/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$245,494/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,497
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$131,943
−HK$3,496/mo
Today · 4.125%
HK$135,439
baseline
▲ 0.50% · 4.625%
HK$142,578
+HK$7,139/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$270,878/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,994 · Scale 2, in force from 26 Feb 2026)