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$64,158
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,153
−HK$2,028/mo
Today · 4.125%
HK$68,181
baseline
▲ 0.50% · 4.625%
HK$72,330
+HK$4,149/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,362/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,375
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,289
−HK$1,942/mo
Today · 4.125%
HK$75,231
baseline
▲ 0.50% · 4.625%
HK$79,197
+HK$3,966/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,462/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,989
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,384
−HK$2,433/mo
Today · 4.125%
HK$81,817
baseline
▲ 0.50% · 4.625%
HK$86,796
+HK$4,979/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,634/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,650
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,947
−HK$2,330/mo
Today · 4.125%
HK$90,277
baseline
▲ 0.50% · 4.625%
HK$95,036
+HK$4,759/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,554/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,821
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,615
−HK$2,838/mo
Today · 4.125%
HK$95,453
baseline
▲ 0.50% · 4.625%
HK$101,261
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,906/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,925
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,605
−HK$2,718/mo
Today · 4.125%
HK$105,323
baseline
▲ 0.50% · 4.625%
HK$110,875
+HK$5,552/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,646/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,484
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,076
−HK$3,650/mo
Today · 4.125%
HK$122,726
baseline
▲ 0.50% · 4.625%
HK$130,193
+HK$7,467/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,452/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,475
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,920
−HK$3,496/mo
Today · 4.125%
HK$135,416
baseline
▲ 0.50% · 4.625%
HK$142,554
+HK$7,138/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,832/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,789 · Scale 2, in force from 26 Feb 2026)