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$64,140
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,135
−HK$2,027/mo
Today · 4.125%
HK$68,162
baseline
▲ 0.50% · 4.625%
HK$72,310
+HK$4,148/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,324/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,355
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,269
−HK$1,941/mo
Today · 4.125%
HK$75,210
baseline
▲ 0.50% · 4.625%
HK$79,175
+HK$3,965/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,420/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,968
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,362
−HK$2,433/mo
Today · 4.125%
HK$81,795
baseline
▲ 0.50% · 4.625%
HK$86,772
+HK$4,977/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,590/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,626
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,923
−HK$2,330/mo
Today · 4.125%
HK$90,253
baseline
▲ 0.50% · 4.625%
HK$95,010
+HK$4,757/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,506/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,796
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,589
−HK$2,838/mo
Today · 4.125%
HK$95,427
baseline
▲ 0.50% · 4.625%
HK$101,234
+HK$5,807/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,854/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,897
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,577
−HK$2,718/mo
Today · 4.125%
HK$105,295
baseline
▲ 0.50% · 4.625%
HK$110,845
+HK$5,550/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,590/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,452
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,044
−HK$3,648/mo
Today · 4.125%
HK$122,692
baseline
▲ 0.50% · 4.625%
HK$130,158
+HK$7,466/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,384/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,440
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,884
−HK$3,495/mo
Today · 4.125%
HK$135,379
baseline
▲ 0.50% · 4.625%
HK$142,515
+HK$7,136/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,758/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,462 · Scale 2, in force from 26 Feb 2026)