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$64,280
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,279
−HK$2,031/mo
Today · 4.125%
HK$68,310
baseline
▲ 0.50% · 4.625%
HK$72,467
+HK$4,157/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,620/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,510
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$73,428
−HK$1,946/mo
Today · 4.125%
HK$75,374
baseline
▲ 0.50% · 4.625%
HK$79,347
+HK$3,973/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,748/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,198,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,135
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$79,535
−HK$2,438/mo
Today · 4.125%
HK$81,973
baseline
▲ 0.50% · 4.625%
HK$86,960
+HK$4,987/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$163,946/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,812
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$88,114
−HK$2,335/mo
Today · 4.125%
HK$90,449
baseline
▲ 0.50% · 4.625%
HK$95,216
+HK$4,767/mo
Deposit HK$11.28M · loan HK$16.91M · min. income ≈ HK$180,898/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,198,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,991
−HK$5,644/mo
▼ 0.25% · 3.875%
HK$92,791
−HK$2,844/mo
Today · 4.125%
HK$95,635
baseline
▲ 0.50% · 4.625%
HK$101,454
+HK$5,819/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,270/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,198,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,115
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,800
−HK$2,723/mo
Today · 4.125%
HK$105,523
baseline
▲ 0.50% · 4.625%
HK$111,086
+HK$5,563/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,046/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,198,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,703
−HK$7,256/mo
▼ 0.25% · 3.875%
HK$119,302
−HK$3,657/mo
Today · 4.125%
HK$122,959
baseline
▲ 0.50% · 4.625%
HK$130,441
+HK$7,482/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,918/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,719
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$132,171
−HK$3,502/mo
Today · 4.125%
HK$135,673
baseline
▲ 0.50% · 4.625%
HK$142,824
+HK$7,151/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,346/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,198,060 · Scale 2, in force from 26 Feb 2026)