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$64,157
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,152
−HK$2,028/mo
Today · 4.125%
HK$68,180
baseline
▲ 0.50% · 4.625%
HK$72,328
+HK$4,148/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,360/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,374
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,288
−HK$1,942/mo
Today · 4.125%
HK$75,230
baseline
▲ 0.50% · 4.625%
HK$79,195
+HK$3,965/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,460/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,988
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,383
−HK$2,433/mo
Today · 4.125%
HK$81,816
baseline
▲ 0.50% · 4.625%
HK$86,794
+HK$4,978/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,632/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,648
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$87,945
−HK$2,331/mo
Today · 4.125%
HK$90,276
baseline
▲ 0.50% · 4.625%
HK$95,034
+HK$4,758/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,552/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,819
−HK$5,633/mo
▼ 0.25% · 3.875%
HK$92,613
−HK$2,839/mo
Today · 4.125%
HK$95,452
baseline
▲ 0.50% · 4.625%
HK$101,260
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,904/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,923
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,603
−HK$2,719/mo
Today · 4.125%
HK$105,322
baseline
▲ 0.50% · 4.625%
HK$110,873
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,644/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,482
−HK$7,242/mo
▼ 0.25% · 3.875%
HK$119,074
−HK$3,650/mo
Today · 4.125%
HK$122,724
baseline
▲ 0.50% · 4.625%
HK$130,191
+HK$7,467/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,448/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,472
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,918
−HK$3,495/mo
Today · 4.125%
HK$135,413
baseline
▲ 0.50% · 4.625%
HK$142,551
+HK$7,138/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,826/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,768 · Scale 2, in force from 26 Feb 2026)