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$64,136
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,131
−HK$2,027/mo
Today · 4.125%
HK$68,158
baseline
▲ 0.50% · 4.625%
HK$72,305
+HK$4,147/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,316/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,351
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,265
−HK$1,941/mo
Today · 4.125%
HK$75,206
baseline
▲ 0.50% · 4.625%
HK$79,170
+HK$3,964/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,412/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,964
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,358
−HK$2,432/mo
Today · 4.125%
HK$81,790
baseline
▲ 0.50% · 4.625%
HK$86,767
+HK$4,977/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,580/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,621
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,917
−HK$2,330/mo
Today · 4.125%
HK$90,247
baseline
▲ 0.50% · 4.625%
HK$95,004
+HK$4,757/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,494/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,791
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,584
−HK$2,837/mo
Today · 4.125%
HK$95,421
baseline
▲ 0.50% · 4.625%
HK$101,228
+HK$5,807/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,842/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,891
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$102,570
−HK$2,718/mo
Today · 4.125%
HK$105,288
baseline
▲ 0.50% · 4.625%
HK$110,838
+HK$5,550/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,576/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,445
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$119,036
−HK$3,649/mo
Today · 4.125%
HK$122,685
baseline
▲ 0.50% · 4.625%
HK$130,150
+HK$7,465/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,370/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,432
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$131,876
−HK$3,494/mo
Today · 4.125%
HK$135,370
baseline
▲ 0.50% · 4.625%
HK$142,506
+HK$7,136/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,740/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,388 · Scale 2, in force from 26 Feb 2026)