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$64,150
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,146
−HK$2,027/mo
Today · 4.125%
HK$68,173
baseline
▲ 0.50% · 4.625%
HK$72,321
+HK$4,148/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,346/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,366
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,280
−HK$1,942/mo
Today · 4.125%
HK$75,222
baseline
▲ 0.50% · 4.625%
HK$79,187
+HK$3,965/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,444/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,980
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,375
−HK$2,433/mo
Today · 4.125%
HK$81,808
baseline
▲ 0.50% · 4.625%
HK$86,785
+HK$4,977/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$1,195,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,640
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,936
−HK$2,331/mo
Today · 4.125%
HK$90,267
baseline
▲ 0.50% · 4.625%
HK$95,025
+HK$4,758/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$1,195,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,810
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,604
−HK$2,838/mo
Today · 4.125%
HK$95,442
baseline
▲ 0.50% · 4.625%
HK$101,250
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,884/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,913
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$102,593
−HK$2,718/mo
Today · 4.125%
HK$105,311
baseline
▲ 0.50% · 4.625%
HK$110,862
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,622/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,470
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,062
−HK$3,649/mo
Today · 4.125%
HK$122,711
baseline
▲ 0.50% · 4.625%
HK$130,178
+HK$7,467/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,422/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,460
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$131,905
−HK$3,495/mo
Today · 4.125%
HK$135,400
baseline
▲ 0.50% · 4.625%
HK$142,537
+HK$7,137/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,800/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,647 · Scale 2, in force from 26 Feb 2026)