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$64,207
−HK$4,027/mo
▼ 0.25% · 3.875%
HK$66,205
−HK$2,029/mo
Today · 4.125%
HK$68,234
baseline
▲ 0.50% · 4.625%
HK$72,386
+HK$4,152/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,468/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,430
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,346
−HK$1,943/mo
Today · 4.125%
HK$75,289
baseline
▲ 0.50% · 4.625%
HK$79,258
+HK$3,969/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,578/mo (50% DSR)
Upfront cash ≈ HK$15.28M (deposit + AVD stamp duty HK$1,196,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,049
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$79,446
−HK$2,435/mo
Today · 4.125%
HK$81,881
baseline
▲ 0.50% · 4.625%
HK$86,863
+HK$4,982/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,762/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,716
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$88,015
−HK$2,332/mo
Today · 4.125%
HK$90,347
baseline
▲ 0.50% · 4.625%
HK$95,109
+HK$4,762/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,694/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,890
−HK$5,637/mo
▼ 0.25% · 3.875%
HK$92,686
−HK$2,841/mo
Today · 4.125%
HK$95,527
baseline
▲ 0.50% · 4.625%
HK$101,340
+HK$5,813/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,054/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,002
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$102,684
−HK$2,721/mo
Today · 4.125%
HK$105,405
baseline
▲ 0.50% · 4.625%
HK$110,961
+HK$5,556/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,810/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,573
−HK$7,248/mo
▼ 0.25% · 3.875%
HK$119,168
−HK$3,653/mo
Today · 4.125%
HK$122,821
baseline
▲ 0.50% · 4.625%
HK$130,294
+HK$7,473/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,642/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,574
−HK$6,947/mo
▼ 0.25% · 3.875%
HK$132,022
−HK$3,499/mo
Today · 4.125%
HK$135,521
baseline
▲ 0.50% · 4.625%
HK$142,664
+HK$7,143/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$271,042/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,714 · Scale 2, in force from 26 Feb 2026)