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$64,461
−HK$4,042/mo
▼ 0.25% · 3.875%
HK$66,466
−HK$2,037/mo
Today · 4.125%
HK$68,503
baseline
▲ 0.50% · 4.625%
HK$72,671
+HK$4,168/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$137,006/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,712
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$73,635
−HK$1,951/mo
Today · 4.125%
HK$75,586
baseline
▲ 0.50% · 4.625%
HK$79,570
+HK$3,984/mo
Deposit HK$14.13M · loan HK$14.13M · min. income ≈ HK$151,172/mo (50% DSR)
Upfront cash ≈ HK$15.34M (deposit + AVD stamp duty HK$1,201,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,353
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$79,759
−HK$2,444/mo
Today · 4.125%
HK$82,203
baseline
▲ 0.50% · 4.625%
HK$87,205
+HK$5,002/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$164,406/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,054
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$88,362
−HK$2,341/mo
Today · 4.125%
HK$90,703
baseline
▲ 0.50% · 4.625%
HK$95,485
+HK$4,782/mo
Deposit HK$11.31M · loan HK$16.96M · min. income ≈ HK$181,406/mo (50% DSR)
Upfront cash ≈ HK$12.51M (deposit + AVD stamp duty HK$1,201,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,245
−HK$5,659/mo
▼ 0.25% · 3.875%
HK$93,052
−HK$2,852/mo
Today · 4.125%
HK$95,904
baseline
▲ 0.50% · 4.625%
HK$101,740
+HK$5,836/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$191,808/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,397
−HK$5,424/mo
▼ 0.25% · 3.875%
HK$103,089
−HK$2,732/mo
Today · 4.125%
HK$105,821
baseline
▲ 0.50% · 4.625%
HK$111,399
+HK$5,578/mo
Deposit HK$8.48M · loan HK$19.79M · min. income ≈ HK$211,642/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$1,201,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$116,029
−HK$7,276/mo
▼ 0.25% · 3.875%
HK$119,638
−HK$3,667/mo
Today · 4.125%
HK$123,305
baseline
▲ 0.50% · 4.625%
HK$130,808
+HK$7,503/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$246,610/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$129,081
−HK$6,974/mo
▼ 0.25% · 3.875%
HK$132,543
−HK$3,512/mo
Today · 4.125%
HK$136,055
baseline
▲ 0.50% · 4.625%
HK$143,227
+HK$7,172/mo
Deposit HK$2.83M · loan HK$25.44M · min. income ≈ HK$272,110/mo (50% DSR)
Upfront cash ≈ HK$4.03M (deposit + AVD stamp duty HK$1,201,435 · Scale 2, in force from 26 Feb 2026)