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$64,155
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,150
−HK$2,028/mo
Today · 4.125%
HK$68,178
baseline
▲ 0.50% · 4.625%
HK$72,326
+HK$4,148/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,356/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,372
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,286
−HK$1,942/mo
Today · 4.125%
HK$75,228
baseline
▲ 0.50% · 4.625%
HK$79,193
+HK$3,965/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,456/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,986
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,381
−HK$2,433/mo
Today · 4.125%
HK$81,814
baseline
▲ 0.50% · 4.625%
HK$86,792
+HK$4,978/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,628/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,646
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,943
−HK$2,330/mo
Today · 4.125%
HK$90,273
baseline
▲ 0.50% · 4.625%
HK$95,032
+HK$4,759/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,546/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,817
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,611
−HK$2,838/mo
Today · 4.125%
HK$95,449
baseline
▲ 0.50% · 4.625%
HK$101,257
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,898/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,920
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,600
−HK$2,719/mo
Today · 4.125%
HK$105,319
baseline
▲ 0.50% · 4.625%
HK$110,870
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,638/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,479
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,071
−HK$3,649/mo
Today · 4.125%
HK$122,720
baseline
▲ 0.50% · 4.625%
HK$130,187
+HK$7,467/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,440/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,469
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,914
−HK$3,496/mo
Today · 4.125%
HK$135,410
baseline
▲ 0.50% · 4.625%
HK$142,547
+HK$7,137/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,820/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,735 · Scale 2, in force from 26 Feb 2026)