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$64,239
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,237
−HK$2,030/mo
Today · 4.125%
HK$68,267
baseline
▲ 0.50% · 4.625%
HK$72,421
+HK$4,154/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,534/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,465
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,382
−HK$1,944/mo
Today · 4.125%
HK$75,326
baseline
▲ 0.50% · 4.625%
HK$79,297
+HK$3,971/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,652/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,087
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,484
−HK$2,437/mo
Today · 4.125%
HK$81,921
baseline
▲ 0.50% · 4.625%
HK$86,905
+HK$4,984/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,842/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,758
−HK$4,633/mo
▼ 0.25% · 3.875%
HK$88,058
−HK$2,333/mo
Today · 4.125%
HK$90,391
baseline
▲ 0.50% · 4.625%
HK$95,156
+HK$4,765/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,782/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,934
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,732
−HK$2,842/mo
Today · 4.125%
HK$95,574
baseline
▲ 0.50% · 4.625%
HK$101,389
+HK$5,815/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,148/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,051
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,734
−HK$2,722/mo
Today · 4.125%
HK$105,456
baseline
▲ 0.50% · 4.625%
HK$111,015
+HK$5,559/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,912/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,630
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,227
−HK$3,654/mo
Today · 4.125%
HK$122,881
baseline
▲ 0.50% · 4.625%
HK$130,358
+HK$7,477/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,762/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,637
−HK$6,950/mo
▼ 0.25% · 3.875%
HK$132,087
−HK$3,500/mo
Today · 4.125%
HK$135,587
baseline
▲ 0.50% · 4.625%
HK$142,734
+HK$7,147/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,174/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,299 · Scale 2, in force from 26 Feb 2026)