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$64,182
−HK$4,025/mo
▼ 0.25% · 3.875%
HK$66,179
−HK$2,028/mo
Today · 4.125%
HK$68,207
baseline
▲ 0.50% · 4.625%
HK$72,357
+HK$4,150/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,414/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,402
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$73,317
−HK$1,943/mo
Today · 4.125%
HK$75,260
baseline
▲ 0.50% · 4.625%
HK$79,227
+HK$3,967/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,520/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,019
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$79,414
−HK$2,434/mo
Today · 4.125%
HK$81,848
baseline
▲ 0.50% · 4.625%
HK$86,829
+HK$4,981/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,696/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,682
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,980
−HK$2,332/mo
Today · 4.125%
HK$90,312
baseline
▲ 0.50% · 4.625%
HK$95,072
+HK$4,760/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,624/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,855
−HK$5,635/mo
▼ 0.25% · 3.875%
HK$92,650
−HK$2,840/mo
Today · 4.125%
HK$95,490
baseline
▲ 0.50% · 4.625%
HK$101,300
+HK$5,810/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$190,980/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,963
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,644
−HK$2,720/mo
Today · 4.125%
HK$105,364
baseline
▲ 0.50% · 4.625%
HK$110,917
+HK$5,553/mo
Deposit HK$8.44M · loan HK$19.70M · min. income ≈ HK$210,728/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,528
−HK$7,245/mo
▼ 0.25% · 3.875%
HK$119,122
−HK$3,651/mo
Today · 4.125%
HK$122,773
baseline
▲ 0.50% · 4.625%
HK$130,243
+HK$7,470/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$245,546/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,524
−HK$6,943/mo
▼ 0.25% · 3.875%
HK$131,971
−HK$3,496/mo
Today · 4.125%
HK$135,467
baseline
▲ 0.50% · 4.625%
HK$142,608
+HK$7,141/mo
Deposit HK$2.81M · loan HK$25.33M · min. income ≈ HK$270,934/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,244 · Scale 2, in force from 26 Feb 2026)