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$64,229
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,227
−HK$2,029/mo
Today · 4.125%
HK$68,256
baseline
▲ 0.50% · 4.625%
HK$72,410
+HK$4,154/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,512/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,454
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$73,370
−HK$1,944/mo
Today · 4.125%
HK$75,314
baseline
▲ 0.50% · 4.625%
HK$79,284
+HK$3,970/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,628/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,074
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,472
−HK$2,436/mo
Today · 4.125%
HK$81,908
baseline
▲ 0.50% · 4.625%
HK$86,892
+HK$4,984/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,816/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,745
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,044
−HK$2,333/mo
Today · 4.125%
HK$90,377
baseline
▲ 0.50% · 4.625%
HK$95,141
+HK$4,764/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,754/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,920
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,717
−HK$2,842/mo
Today · 4.125%
HK$95,559
baseline
▲ 0.50% · 4.625%
HK$101,373
+HK$5,814/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,118/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,035
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,718
−HK$2,722/mo
Today · 4.125%
HK$105,440
baseline
▲ 0.50% · 4.625%
HK$110,998
+HK$5,558/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,880/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,612
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,208
−HK$3,654/mo
Today · 4.125%
HK$122,862
baseline
▲ 0.50% · 4.625%
HK$130,337
+HK$7,475/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,724/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,617
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,066
−HK$3,500/mo
Today · 4.125%
HK$135,566
baseline
▲ 0.50% · 4.625%
HK$142,711
+HK$7,145/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,132/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,111 · Scale 2, in force from 26 Feb 2026)