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$64,257
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,255
−HK$2,031/mo
Today · 4.125%
HK$68,286
baseline
▲ 0.50% · 4.625%
HK$72,441
+HK$4,155/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,572/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,485
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,402
−HK$1,945/mo
Today · 4.125%
HK$75,347
baseline
▲ 0.50% · 4.625%
HK$79,319
+HK$3,972/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,694/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,108
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,507
−HK$2,436/mo
Today · 4.125%
HK$81,943
baseline
▲ 0.50% · 4.625%
HK$86,929
+HK$4,986/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,886/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,782
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,083
−HK$2,333/mo
Today · 4.125%
HK$90,416
baseline
▲ 0.50% · 4.625%
HK$95,182
+HK$4,766/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,832/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,959
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,758
−HK$2,843/mo
Today · 4.125%
HK$95,601
baseline
▲ 0.50% · 4.625%
HK$101,418
+HK$5,817/mo
Deposit HK$8.45M · loan HK$19.73M · min. income ≈ HK$191,202/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,079
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,763
−HK$2,723/mo
Today · 4.125%
HK$105,486
baseline
▲ 0.50% · 4.625%
HK$111,046
+HK$5,560/mo
Deposit HK$8.45M · loan HK$19.73M · min. income ≈ HK$210,972/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,662
−HK$7,253/mo
▼ 0.25% · 3.875%
HK$119,260
−HK$3,655/mo
Today · 4.125%
HK$122,915
baseline
▲ 0.50% · 4.625%
HK$130,394
+HK$7,479/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,830/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,673
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$132,124
−HK$3,501/mo
Today · 4.125%
HK$135,625
baseline
▲ 0.50% · 4.625%
HK$142,774
+HK$7,149/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,250/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,633 · Scale 2, in force from 26 Feb 2026)