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$64,211
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,209
−HK$2,029/mo
Today · 4.125%
HK$68,238
baseline
▲ 0.50% · 4.625%
HK$72,390
+HK$4,152/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,476/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,434
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,350
−HK$1,944/mo
Today · 4.125%
HK$75,294
baseline
▲ 0.50% · 4.625%
HK$79,263
+HK$3,969/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,588/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,053
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,450
−HK$2,435/mo
Today · 4.125%
HK$81,885
baseline
▲ 0.50% · 4.625%
HK$86,868
+HK$4,983/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$163,770/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,721
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,020
−HK$2,332/mo
Today · 4.125%
HK$90,352
baseline
▲ 0.50% · 4.625%
HK$95,115
+HK$4,763/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$180,704/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,896
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,692
−HK$2,841/mo
Today · 4.125%
HK$95,533
baseline
▲ 0.50% · 4.625%
HK$101,346
+HK$5,813/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,066/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,008
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,690
−HK$2,721/mo
Today · 4.125%
HK$105,411
baseline
▲ 0.50% · 4.625%
HK$110,968
+HK$5,557/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,822/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,580
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,175
−HK$3,653/mo
Today · 4.125%
HK$122,828
baseline
▲ 0.50% · 4.625%
HK$130,302
+HK$7,474/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,656/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,582
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,030
−HK$3,499/mo
Today · 4.125%
HK$135,529
baseline
▲ 0.50% · 4.625%
HK$142,673
+HK$7,144/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,058/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,786 · Scale 2, in force from 26 Feb 2026)