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$64,231
−HK$4,028/mo
▼ 0.25% · 3.875%
HK$66,229
−HK$2,030/mo
Today · 4.125%
HK$68,259
baseline
▲ 0.50% · 4.625%
HK$72,412
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,518/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,456
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$73,373
−HK$1,944/mo
Today · 4.125%
HK$75,317
baseline
▲ 0.50% · 4.625%
HK$79,287
+HK$3,970/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,634/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,197,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,077
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$79,475
−HK$2,436/mo
Today · 4.125%
HK$81,911
baseline
▲ 0.50% · 4.625%
HK$86,895
+HK$4,984/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$163,822/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,748
−HK$4,632/mo
▼ 0.25% · 3.875%
HK$88,047
−HK$2,333/mo
Today · 4.125%
HK$90,380
baseline
▲ 0.50% · 4.625%
HK$95,144
+HK$4,764/mo
Deposit HK$11.27M · loan HK$16.90M · min. income ≈ HK$180,760/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,197,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,924
−HK$5,639/mo
▼ 0.25% · 3.875%
HK$92,721
−HK$2,842/mo
Today · 4.125%
HK$95,563
baseline
▲ 0.50% · 4.625%
HK$101,377
+HK$5,814/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$191,126/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,039
−HK$5,405/mo
▼ 0.25% · 3.875%
HK$102,722
−HK$2,722/mo
Today · 4.125%
HK$105,444
baseline
▲ 0.50% · 4.625%
HK$111,002
+HK$5,558/mo
Deposit HK$8.45M · loan HK$19.72M · min. income ≈ HK$210,888/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,616
−HK$7,250/mo
▼ 0.25% · 3.875%
HK$119,212
−HK$3,654/mo
Today · 4.125%
HK$122,866
baseline
▲ 0.50% · 4.625%
HK$130,342
+HK$7,476/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$245,732/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,622
−HK$6,949/mo
▼ 0.25% · 3.875%
HK$132,071
−HK$3,500/mo
Today · 4.125%
HK$135,571
baseline
▲ 0.50% · 4.625%
HK$142,717
+HK$7,146/mo
Deposit HK$2.82M · loan HK$25.35M · min. income ≈ HK$271,142/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,197,156 · Scale 2, in force from 26 Feb 2026)