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$64,244
−HK$4,029/mo
▼ 0.25% · 3.875%
HK$66,243
−HK$2,030/mo
Today · 4.125%
HK$68,273
baseline
▲ 0.50% · 4.625%
HK$72,427
+HK$4,154/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,546/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,471
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,388
−HK$1,945/mo
Today · 4.125%
HK$75,333
baseline
▲ 0.50% · 4.625%
HK$79,303
+HK$3,970/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,666/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,093
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$79,491
−HK$2,437/mo
Today · 4.125%
HK$81,928
baseline
▲ 0.50% · 4.625%
HK$86,913
+HK$4,985/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,856/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,765
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,066
−HK$2,333/mo
Today · 4.125%
HK$90,399
baseline
▲ 0.50% · 4.625%
HK$95,164
+HK$4,765/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,798/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,942
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,740
−HK$2,842/mo
Today · 4.125%
HK$95,582
baseline
▲ 0.50% · 4.625%
HK$101,398
+HK$5,816/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,164/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,060
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,743
−HK$2,723/mo
Today · 4.125%
HK$105,466
baseline
▲ 0.50% · 4.625%
HK$111,025
+HK$5,559/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,932/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,640
−HK$7,251/mo
▼ 0.25% · 3.875%
HK$119,237
−HK$3,654/mo
Today · 4.125%
HK$122,891
baseline
▲ 0.50% · 4.625%
HK$130,369
+HK$7,478/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,782/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,648
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,098
−HK$3,501/mo
Today · 4.125%
HK$135,599
baseline
▲ 0.50% · 4.625%
HK$142,746
+HK$7,147/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,198/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,403 · Scale 2, in force from 26 Feb 2026)