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$64,102
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,096
−HK$2,026/mo
Today · 4.125%
HK$68,122
baseline
▲ 0.50% · 4.625%
HK$72,267
+HK$4,145/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,244/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,313
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,225
−HK$1,941/mo
Today · 4.125%
HK$75,166
baseline
▲ 0.50% · 4.625%
HK$79,128
+HK$3,962/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,332/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,922
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,315
−HK$2,431/mo
Today · 4.125%
HK$81,746
baseline
▲ 0.50% · 4.625%
HK$86,720
+HK$4,974/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$163,492/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,575
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,871
−HK$2,328/mo
Today · 4.125%
HK$90,199
baseline
▲ 0.50% · 4.625%
HK$94,953
+HK$4,754/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$180,398/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,743
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,534
−HK$2,837/mo
Today · 4.125%
HK$95,371
baseline
▲ 0.50% · 4.625%
HK$101,174
+HK$5,803/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$190,742/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,838
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,516
−HK$2,716/mo
Today · 4.125%
HK$105,232
baseline
▲ 0.50% · 4.625%
HK$110,779
+HK$5,547/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$210,464/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,384
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,973
−HK$3,646/mo
Today · 4.125%
HK$122,619
baseline
▲ 0.50% · 4.625%
HK$130,080
+HK$7,461/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$245,238/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,363
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$131,806
−HK$3,492/mo
Today · 4.125%
HK$135,298
baseline
▲ 0.50% · 4.625%
HK$142,430
+HK$7,132/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$270,596/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,750 · Scale 2, in force from 26 Feb 2026)