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$64,144
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,139
−HK$2,027/mo
Today · 4.125%
HK$68,166
baseline
▲ 0.50% · 4.625%
HK$72,314
+HK$4,148/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,332/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,359
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,273
−HK$1,942/mo
Today · 4.125%
HK$75,215
baseline
▲ 0.50% · 4.625%
HK$79,179
+HK$3,964/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,430/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,972
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,367
−HK$2,432/mo
Today · 4.125%
HK$81,799
baseline
▲ 0.50% · 4.625%
HK$86,777
+HK$4,978/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,598/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,631
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,928
−HK$2,329/mo
Today · 4.125%
HK$90,257
baseline
▲ 0.50% · 4.625%
HK$95,015
+HK$4,758/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,514/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,801
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,594
−HK$2,838/mo
Today · 4.125%
HK$95,432
baseline
▲ 0.50% · 4.625%
HK$101,239
+HK$5,807/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,864/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,903
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,582
−HK$2,718/mo
Today · 4.125%
HK$105,300
baseline
▲ 0.50% · 4.625%
HK$110,851
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,600/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,459
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,050
−HK$3,649/mo
Today · 4.125%
HK$122,699
baseline
▲ 0.50% · 4.625%
HK$130,165
+HK$7,466/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,398/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,447
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,891
−HK$3,495/mo
Today · 4.125%
HK$135,386
baseline
▲ 0.50% · 4.625%
HK$142,523
+HK$7,137/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,772/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,527 · Scale 2, in force from 26 Feb 2026)