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$64,458
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,463
−HK$2,037/mo
Today · 4.125%
HK$68,500
baseline
▲ 0.50% · 4.625%
HK$72,668
+HK$4,168/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$137,000/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,709
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,632
−HK$1,951/mo
Today · 4.125%
HK$75,583
baseline
▲ 0.50% · 4.625%
HK$79,567
+HK$3,984/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,166/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,350
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,756
−HK$2,444/mo
Today · 4.125%
HK$82,200
baseline
▲ 0.50% · 4.625%
HK$87,202
+HK$5,002/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$164,400/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,051
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,359
−HK$2,341/mo
Today · 4.125%
HK$90,700
baseline
▲ 0.50% · 4.625%
HK$95,481
+HK$4,781/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$181,400/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,241
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,048
−HK$2,852/mo
Today · 4.125%
HK$95,900
baseline
▲ 0.50% · 4.625%
HK$101,736
+HK$5,836/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$191,800/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,393
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,085
−HK$2,732/mo
Today · 4.125%
HK$105,817
baseline
▲ 0.50% · 4.625%
HK$111,394
+HK$5,577/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$211,634/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,025
−HK$7,275/mo
▼ 0.25% · 3.875%
HK$119,634
−HK$3,666/mo
Today · 4.125%
HK$123,300
baseline
▲ 0.50% · 4.625%
HK$130,803
+HK$7,503/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$246,600/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,076
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$132,538
−HK$3,512/mo
Today · 4.125%
HK$136,050
baseline
▲ 0.50% · 4.625%
HK$143,221
+HK$7,171/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$272,100/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,387 · Scale 2, in force from 26 Feb 2026)