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$64,212
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,209
−HK$2,029/mo
Today · 4.125%
HK$68,238
baseline
▲ 0.50% · 4.625%
HK$72,391
+HK$4,153/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,476/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,435
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,351
−HK$1,943/mo
Today · 4.125%
HK$75,294
baseline
▲ 0.50% · 4.625%
HK$79,263
+HK$3,969/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,588/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,054
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,451
−HK$2,435/mo
Today · 4.125%
HK$81,886
baseline
▲ 0.50% · 4.625%
HK$86,869
+HK$4,983/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$163,772/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,722
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,021
−HK$2,332/mo
Today · 4.125%
HK$90,353
baseline
▲ 0.50% · 4.625%
HK$95,116
+HK$4,763/mo
Deposit HK$11.26M · loan HK$16.90M · min. income ≈ HK$180,706/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,897
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,693
−HK$2,841/mo
Today · 4.125%
HK$95,534
baseline
▲ 0.50% · 4.625%
HK$101,347
+HK$5,813/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,068/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,009
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,691
−HK$2,721/mo
Today · 4.125%
HK$105,412
baseline
▲ 0.50% · 4.625%
HK$110,969
+HK$5,557/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,824/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,581
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,177
−HK$3,652/mo
Today · 4.125%
HK$122,829
baseline
▲ 0.50% · 4.625%
HK$130,303
+HK$7,474/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,658/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,583
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,032
−HK$3,498/mo
Today · 4.125%
HK$135,530
baseline
▲ 0.50% · 4.625%
HK$142,674
+HK$7,144/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,060/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,797 · Scale 2, in force from 26 Feb 2026)