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$64,151
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,146
−HK$2,028/mo
Today · 4.125%
HK$68,174
baseline
▲ 0.50% · 4.625%
HK$72,322
+HK$4,148/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,348/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,367
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,281
−HK$1,942/mo
Today · 4.125%
HK$75,223
baseline
▲ 0.50% · 4.625%
HK$79,188
+HK$3,965/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,446/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,981
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,376
−HK$2,432/mo
Today · 4.125%
HK$81,808
baseline
▲ 0.50% · 4.625%
HK$86,786
+HK$4,978/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,616/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,641
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,937
−HK$2,330/mo
Today · 4.125%
HK$90,267
baseline
▲ 0.50% · 4.625%
HK$95,026
+HK$4,759/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,534/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,811
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,605
−HK$2,838/mo
Today · 4.125%
HK$95,443
baseline
▲ 0.50% · 4.625%
HK$101,251
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,886/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,914
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,594
−HK$2,718/mo
Today · 4.125%
HK$105,312
baseline
▲ 0.50% · 4.625%
HK$110,863
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,624/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,472
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,063
−HK$3,650/mo
Today · 4.125%
HK$122,713
baseline
▲ 0.50% · 4.625%
HK$130,179
+HK$7,466/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,426/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,461
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,906
−HK$3,495/mo
Today · 4.125%
HK$135,401
baseline
▲ 0.50% · 4.625%
HK$142,538
+HK$7,137/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,802/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,660 · Scale 2, in force from 26 Feb 2026)