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$64,099
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,093
−HK$2,026/mo
Today · 4.125%
HK$68,119
baseline
▲ 0.50% · 4.625%
HK$72,264
+HK$4,145/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,238/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,310
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$73,222
−HK$1,940/mo
Today · 4.125%
HK$75,162
baseline
▲ 0.50% · 4.625%
HK$79,124
+HK$3,962/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,324/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,919
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,312
−HK$2,431/mo
Today · 4.125%
HK$81,743
baseline
▲ 0.50% · 4.625%
HK$86,716
+HK$4,973/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$163,486/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,572
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,867
−HK$2,328/mo
Today · 4.125%
HK$90,195
baseline
▲ 0.50% · 4.625%
HK$94,949
+HK$4,754/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$180,390/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,739
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,530
−HK$2,836/mo
Today · 4.125%
HK$95,366
baseline
▲ 0.50% · 4.625%
HK$101,169
+HK$5,803/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$190,732/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,834
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$102,511
−HK$2,716/mo
Today · 4.125%
HK$105,227
baseline
▲ 0.50% · 4.625%
HK$110,774
+HK$5,547/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$210,454/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,379
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,968
−HK$3,646/mo
Today · 4.125%
HK$122,614
baseline
▲ 0.50% · 4.625%
HK$130,075
+HK$7,461/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$245,228/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,358
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,800
−HK$3,492/mo
Today · 4.125%
HK$135,292
baseline
▲ 0.50% · 4.625%
HK$142,424
+HK$7,132/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$270,584/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,699 · Scale 2, in force from 26 Feb 2026)