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$64,246
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,244
−HK$2,030/mo
Today · 4.125%
HK$68,274
baseline
▲ 0.50% · 4.625%
HK$72,429
+HK$4,155/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,548/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,472
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$73,389
−HK$1,945/mo
Today · 4.125%
HK$75,334
baseline
▲ 0.50% · 4.625%
HK$79,305
+HK$3,971/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,668/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,095
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,493
−HK$2,436/mo
Today · 4.125%
HK$81,929
baseline
▲ 0.50% · 4.625%
HK$86,914
+HK$4,985/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,858/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,767
−HK$4,634/mo
▼ 0.25% · 3.875%
HK$88,067
−HK$2,334/mo
Today · 4.125%
HK$90,401
baseline
▲ 0.50% · 4.625%
HK$95,166
+HK$4,765/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,802/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,944
−HK$5,640/mo
▼ 0.25% · 3.875%
HK$92,741
−HK$2,843/mo
Today · 4.125%
HK$95,584
baseline
▲ 0.50% · 4.625%
HK$101,400
+HK$5,816/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,168/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,061
−HK$5,406/mo
▼ 0.25% · 3.875%
HK$102,745
−HK$2,722/mo
Today · 4.125%
HK$105,467
baseline
▲ 0.50% · 4.625%
HK$111,027
+HK$5,560/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,934/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,642
−HK$7,252/mo
▼ 0.25% · 3.875%
HK$119,239
−HK$3,655/mo
Today · 4.125%
HK$122,894
baseline
▲ 0.50% · 4.625%
HK$130,371
+HK$7,477/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$245,788/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,650
−HK$6,951/mo
▼ 0.25% · 3.875%
HK$132,101
−HK$3,500/mo
Today · 4.125%
HK$135,601
baseline
▲ 0.50% · 4.625%
HK$142,749
+HK$7,148/mo
Deposit HK$2.82M · loan HK$25.36M · min. income ≈ HK$271,202/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,425 · Scale 2, in force from 26 Feb 2026)