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$64,253
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,251
−HK$2,031/mo
Today · 4.125%
HK$68,282
baseline
▲ 0.50% · 4.625%
HK$72,437
+HK$4,155/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,564/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,480
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,397
−HK$1,945/mo
Today · 4.125%
HK$75,342
baseline
▲ 0.50% · 4.625%
HK$79,314
+HK$3,972/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,684/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,103
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,501
−HK$2,437/mo
Today · 4.125%
HK$81,938
baseline
▲ 0.50% · 4.625%
HK$86,924
+HK$4,986/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,876/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,776
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,077
−HK$2,334/mo
Today · 4.125%
HK$90,411
baseline
▲ 0.50% · 4.625%
HK$95,176
+HK$4,765/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,822/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,954
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,752
−HK$2,843/mo
Today · 4.125%
HK$95,595
baseline
▲ 0.50% · 4.625%
HK$101,411
+HK$5,816/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,190/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,073
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,756
−HK$2,723/mo
Today · 4.125%
HK$105,479
baseline
▲ 0.50% · 4.625%
HK$111,039
+HK$5,560/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,958/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,655
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,252
−HK$3,655/mo
Today · 4.125%
HK$122,907
baseline
▲ 0.50% · 4.625%
HK$130,386
+HK$7,479/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,814/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,665
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,115
−HK$3,501/mo
Today · 4.125%
HK$135,616
baseline
▲ 0.50% · 4.625%
HK$142,765
+HK$7,149/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,232/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,557 · Scale 2, in force from 26 Feb 2026)