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$64,199
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,196
−HK$2,029/mo
Today · 4.125%
HK$68,225
baseline
▲ 0.50% · 4.625%
HK$72,376
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,450/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,421
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,336
−HK$1,944/mo
Today · 4.125%
HK$75,280
baseline
▲ 0.50% · 4.625%
HK$79,248
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,560/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,039
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,435
−HK$2,435/mo
Today · 4.125%
HK$81,870
baseline
▲ 0.50% · 4.625%
HK$86,852
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,740/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,705
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$88,004
−HK$2,331/mo
Today · 4.125%
HK$90,335
baseline
▲ 0.50% · 4.625%
HK$95,097
+HK$4,762/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,670/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,879
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,675
−HK$2,840/mo
Today · 4.125%
HK$95,515
baseline
▲ 0.50% · 4.625%
HK$101,327
+HK$5,812/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,030/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,989
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$102,671
−HK$2,720/mo
Today · 4.125%
HK$105,391
baseline
▲ 0.50% · 4.625%
HK$110,947
+HK$5,556/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,782/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,558
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,153
−HK$3,652/mo
Today · 4.125%
HK$122,805
baseline
▲ 0.50% · 4.625%
HK$130,277
+HK$7,472/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,610/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,558
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$132,005
−HK$3,498/mo
Today · 4.125%
HK$135,503
baseline
▲ 0.50% · 4.625%
HK$142,646
+HK$7,143/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,006/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,561 · Scale 2, in force from 26 Feb 2026)