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$64,124
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,119
−HK$2,026/mo
Today · 4.125%
HK$68,145
baseline
▲ 0.50% · 4.625%
HK$72,292
+HK$4,147/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,290/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,338
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,251
−HK$1,941/mo
Today · 4.125%
HK$75,192
baseline
▲ 0.50% · 4.625%
HK$79,155
+HK$3,963/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,384/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,949
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,343
−HK$2,432/mo
Today · 4.125%
HK$81,775
baseline
▲ 0.50% · 4.625%
HK$86,750
+HK$4,975/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$163,550/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,195,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,605
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,901
−HK$2,329/mo
Today · 4.125%
HK$90,230
baseline
▲ 0.50% · 4.625%
HK$94,986
+HK$4,756/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$180,460/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,195,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,774
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,567
−HK$2,837/mo
Today · 4.125%
HK$95,404
baseline
▲ 0.50% · 4.625%
HK$101,209
+HK$5,805/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,808/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,873
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,551
−HK$2,718/mo
Today · 4.125%
HK$105,269
baseline
▲ 0.50% · 4.625%
HK$110,817
+HK$5,548/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,538/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,424
−HK$7,238/mo
▼ 0.25% · 3.875%
HK$119,014
−HK$3,648/mo
Today · 4.125%
HK$122,662
baseline
▲ 0.50% · 4.625%
HK$130,126
+HK$7,464/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,324/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,408
−HK$6,937/mo
▼ 0.25% · 3.875%
HK$131,852
−HK$3,493/mo
Today · 4.125%
HK$135,345
baseline
▲ 0.50% · 4.625%
HK$142,480
+HK$7,135/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,690/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,166 · Scale 2, in force from 26 Feb 2026)