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$64,202
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,199
−HK$2,029/mo
Today · 4.125%
HK$68,228
baseline
▲ 0.50% · 4.625%
HK$72,379
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,456/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,424
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,339
−HK$1,944/mo
Today · 4.125%
HK$75,283
baseline
▲ 0.50% · 4.625%
HK$79,251
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,566/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,042
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,439
−HK$2,434/mo
Today · 4.125%
HK$81,873
baseline
▲ 0.50% · 4.625%
HK$86,855
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,746/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,709
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$88,007
−HK$2,332/mo
Today · 4.125%
HK$90,339
baseline
▲ 0.50% · 4.625%
HK$95,101
+HK$4,762/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,678/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,883
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,678
−HK$2,841/mo
Today · 4.125%
HK$95,519
baseline
▲ 0.50% · 4.625%
HK$101,331
+HK$5,812/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,038/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,994
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,675
−HK$2,721/mo
Today · 4.125%
HK$105,396
baseline
▲ 0.50% · 4.625%
HK$110,951
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,792/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,563
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,158
−HK$3,652/mo
Today · 4.125%
HK$122,810
baseline
▲ 0.50% · 4.625%
HK$130,283
+HK$7,473/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,620/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,563
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,011
−HK$3,498/mo
Today · 4.125%
HK$135,509
baseline
▲ 0.50% · 4.625%
HK$142,652
+HK$7,143/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,018/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,611 · Scale 2, in force from 26 Feb 2026)