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$64,203
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,200
−HK$2,029/mo
Today · 4.125%
HK$68,229
baseline
▲ 0.50% · 4.625%
HK$72,381
+HK$4,152/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,458/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,425
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,341
−HK$1,943/mo
Today · 4.125%
HK$75,284
baseline
▲ 0.50% · 4.625%
HK$79,252
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,568/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,044
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,440
−HK$2,435/mo
Today · 4.125%
HK$81,875
baseline
▲ 0.50% · 4.625%
HK$86,857
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,750/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,710
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,009
−HK$2,332/mo
Today · 4.125%
HK$90,341
baseline
▲ 0.50% · 4.625%
HK$95,103
+HK$4,762/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,682/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,884
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,680
−HK$2,841/mo
Today · 4.125%
HK$95,521
baseline
▲ 0.50% · 4.625%
HK$101,333
+HK$5,812/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,042/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,995
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,677
−HK$2,721/mo
Today · 4.125%
HK$105,398
baseline
▲ 0.50% · 4.625%
HK$110,953
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,796/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,565
−HK$7,247/mo
▼ 0.25% · 3.875%
HK$119,160
−HK$3,652/mo
Today · 4.125%
HK$122,812
baseline
▲ 0.50% · 4.625%
HK$130,285
+HK$7,473/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,624/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,565
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$132,013
−HK$3,498/mo
Today · 4.125%
HK$135,511
baseline
▲ 0.50% · 4.625%
HK$142,654
+HK$7,143/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,022/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,631 · Scale 2, in force from 26 Feb 2026)