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$64,154
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,149
−HK$2,028/mo
Today · 4.125%
HK$68,177
baseline
▲ 0.50% · 4.625%
HK$72,325
+HK$4,148/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,354/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,370
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,285
−HK$1,941/mo
Today · 4.125%
HK$75,226
baseline
▲ 0.50% · 4.625%
HK$79,192
+HK$3,966/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,452/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,985
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,379
−HK$2,433/mo
Today · 4.125%
HK$81,812
baseline
▲ 0.50% · 4.625%
HK$86,790
+HK$4,978/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,624/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,645
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,941
−HK$2,331/mo
Today · 4.125%
HK$90,272
baseline
▲ 0.50% · 4.625%
HK$95,030
+HK$4,758/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,544/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,815
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,609
−HK$2,838/mo
Today · 4.125%
HK$95,447
baseline
▲ 0.50% · 4.625%
HK$101,255
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,894/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,919
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,598
−HK$2,719/mo
Today · 4.125%
HK$105,317
baseline
▲ 0.50% · 4.625%
HK$110,868
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,634/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,477
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,069
−HK$3,649/mo
Today · 4.125%
HK$122,718
baseline
▲ 0.50% · 4.625%
HK$130,185
+HK$7,467/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,436/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,467
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,912
−HK$3,495/mo
Today · 4.125%
HK$135,407
baseline
▲ 0.50% · 4.625%
HK$142,545
+HK$7,138/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,814/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,715 · Scale 2, in force from 26 Feb 2026)