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$64,254
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,253
−HK$2,031/mo
Today · 4.125%
HK$68,284
baseline
▲ 0.50% · 4.625%
HK$72,439
+HK$4,155/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,568/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,482
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,399
−HK$1,945/mo
Today · 4.125%
HK$75,344
baseline
▲ 0.50% · 4.625%
HK$79,316
+HK$3,972/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,688/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,105
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,504
−HK$2,436/mo
Today · 4.125%
HK$81,940
baseline
▲ 0.50% · 4.625%
HK$86,926
+HK$4,986/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,880/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,779
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,079
−HK$2,334/mo
Today · 4.125%
HK$90,413
baseline
▲ 0.50% · 4.625%
HK$95,179
+HK$4,766/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,826/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,956
−HK$5,641/mo
▼ 0.25% · 3.875%
HK$92,754
−HK$2,843/mo
Today · 4.125%
HK$95,597
baseline
▲ 0.50% · 4.625%
HK$101,414
+HK$5,817/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,194/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,075
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,759
−HK$2,723/mo
Today · 4.125%
HK$105,482
baseline
▲ 0.50% · 4.625%
HK$111,042
+HK$5,560/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,964/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,658
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,255
−HK$3,655/mo
Today · 4.125%
HK$122,910
baseline
▲ 0.50% · 4.625%
HK$130,389
+HK$7,479/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,820/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,668
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,119
−HK$3,501/mo
Today · 4.125%
HK$135,620
baseline
▲ 0.50% · 4.625%
HK$142,768
+HK$7,148/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,240/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,588 · Scale 2, in force from 26 Feb 2026)