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$64,246
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,245
−HK$2,030/mo
Today · 4.125%
HK$68,275
baseline
▲ 0.50% · 4.625%
HK$72,429
+HK$4,154/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,550/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,473
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,390
−HK$1,945/mo
Today · 4.125%
HK$75,335
baseline
▲ 0.50% · 4.625%
HK$79,306
+HK$3,971/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,670/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,096
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,494
−HK$2,436/mo
Today · 4.125%
HK$81,930
baseline
▲ 0.50% · 4.625%
HK$86,915
+HK$4,985/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,860/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,768
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,068
−HK$2,334/mo
Today · 4.125%
HK$90,402
baseline
▲ 0.50% · 4.625%
HK$95,167
+HK$4,765/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,804/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,945
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,743
−HK$2,842/mo
Today · 4.125%
HK$95,585
baseline
▲ 0.50% · 4.625%
HK$101,401
+HK$5,816/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,170/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,063
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,746
−HK$2,723/mo
Today · 4.125%
HK$105,469
baseline
▲ 0.50% · 4.625%
HK$111,028
+HK$5,559/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,938/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,643
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,240
−HK$3,655/mo
Today · 4.125%
HK$122,895
baseline
▲ 0.50% · 4.625%
HK$130,373
+HK$7,478/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,790/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,652
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,102
−HK$3,501/mo
Today · 4.125%
HK$135,603
baseline
▲ 0.50% · 4.625%
HK$142,751
+HK$7,148/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,206/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,439 · Scale 2, in force from 26 Feb 2026)