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$64,110
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,104
−HK$2,026/mo
Today · 4.125%
HK$68,130
baseline
▲ 0.50% · 4.625%
HK$72,276
+HK$4,146/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,260/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,322
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,235
−HK$1,940/mo
Today · 4.125%
HK$75,175
baseline
▲ 0.50% · 4.625%
HK$79,138
+HK$3,963/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,350/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,932
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,325
−HK$2,431/mo
Today · 4.125%
HK$81,756
baseline
▲ 0.50% · 4.625%
HK$86,731
+HK$4,975/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$163,512/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,586
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$87,881
−HK$2,329/mo
Today · 4.125%
HK$90,210
baseline
▲ 0.50% · 4.625%
HK$94,965
+HK$4,755/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$180,420/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,754
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,546
−HK$2,836/mo
Today · 4.125%
HK$95,382
baseline
▲ 0.50% · 4.625%
HK$101,186
+HK$5,804/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$190,764/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,850
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,528
−HK$2,717/mo
Today · 4.125%
HK$105,245
baseline
▲ 0.50% · 4.625%
HK$110,793
+HK$5,548/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$210,490/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,398
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$118,988
−HK$3,646/mo
Today · 4.125%
HK$122,634
baseline
▲ 0.50% · 4.625%
HK$130,096
+HK$7,462/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$245,268/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,379
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,822
−HK$3,493/mo
Today · 4.125%
HK$135,315
baseline
▲ 0.50% · 4.625%
HK$142,448
+HK$7,133/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$270,630/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,899 · Scale 2, in force from 26 Feb 2026)