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$64,258
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,257
−HK$2,031/mo
Today · 4.125%
HK$68,288
baseline
▲ 0.50% · 4.625%
HK$72,443
+HK$4,155/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,576/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,486
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,404
−HK$1,945/mo
Today · 4.125%
HK$75,349
baseline
▲ 0.50% · 4.625%
HK$79,320
+HK$3,971/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,698/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,110
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,508
−HK$2,437/mo
Today · 4.125%
HK$81,945
baseline
▲ 0.50% · 4.625%
HK$86,931
+HK$4,986/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,890/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,784
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,084
−HK$2,334/mo
Today · 4.125%
HK$90,418
baseline
▲ 0.50% · 4.625%
HK$95,184
+HK$4,766/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,836/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,961
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,760
−HK$2,843/mo
Today · 4.125%
HK$95,603
baseline
▲ 0.50% · 4.625%
HK$101,420
+HK$5,817/mo
Deposit HK$8.45M · loan HK$19.73M · min. income ≈ HK$191,206/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,081
−HK$5,407/mo
▼ 0.25% · 3.875%
HK$102,765
−HK$2,723/mo
Today · 4.125%
HK$105,488
baseline
▲ 0.50% · 4.625%
HK$111,048
+HK$5,560/mo
Deposit HK$8.45M · loan HK$19.73M · min. income ≈ HK$210,976/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,664
−HK$7,254/mo
▼ 0.25% · 3.875%
HK$119,262
−HK$3,656/mo
Today · 4.125%
HK$122,918
baseline
▲ 0.50% · 4.625%
HK$130,397
+HK$7,479/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,836/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,676
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,127
−HK$3,500/mo
Today · 4.125%
HK$135,627
baseline
▲ 0.50% · 4.625%
HK$142,777
+HK$7,150/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,254/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,658 · Scale 2, in force from 26 Feb 2026)