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$64,135
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,130
−HK$2,026/mo
Today · 4.125%
HK$68,156
baseline
▲ 0.50% · 4.625%
HK$72,304
+HK$4,148/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,312/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,349
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$73,263
−HK$1,941/mo
Today · 4.125%
HK$75,204
baseline
▲ 0.50% · 4.625%
HK$79,168
+HK$3,964/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,408/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,962
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$79,355
−HK$2,433/mo
Today · 4.125%
HK$81,788
baseline
▲ 0.50% · 4.625%
HK$86,764
+HK$4,976/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,576/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,619
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,915
−HK$2,330/mo
Today · 4.125%
HK$90,245
baseline
▲ 0.50% · 4.625%
HK$95,002
+HK$4,757/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,490/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,788
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,581
−HK$2,838/mo
Today · 4.125%
HK$95,419
baseline
▲ 0.50% · 4.625%
HK$101,225
+HK$5,806/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,838/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,889
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,568
−HK$2,717/mo
Today · 4.125%
HK$105,285
baseline
▲ 0.50% · 4.625%
HK$110,835
+HK$5,550/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,570/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,442
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,033
−HK$3,648/mo
Today · 4.125%
HK$122,681
baseline
▲ 0.50% · 4.625%
HK$130,146
+HK$7,465/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,362/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,428
−HK$6,939/mo
▼ 0.25% · 3.875%
HK$131,873
−HK$3,494/mo
Today · 4.125%
HK$135,367
baseline
▲ 0.50% · 4.625%
HK$142,502
+HK$7,135/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,734/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,357 · Scale 2, in force from 26 Feb 2026)