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$64,154
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$66,150
−HK$2,027/mo
Today · 4.125%
HK$68,177
baseline
▲ 0.50% · 4.625%
HK$72,326
+HK$4,149/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$136,354/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,371
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$73,285
−HK$1,942/mo
Today · 4.125%
HK$75,227
baseline
▲ 0.50% · 4.625%
HK$79,192
+HK$3,965/mo
Deposit HK$14.07M · loan HK$14.07M · min. income ≈ HK$150,454/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,985
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$79,380
−HK$2,433/mo
Today · 4.125%
HK$81,813
baseline
▲ 0.50% · 4.625%
HK$86,791
+HK$4,978/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,626/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,645
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,942
−HK$2,330/mo
Today · 4.125%
HK$90,272
baseline
▲ 0.50% · 4.625%
HK$95,031
+HK$4,759/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,544/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,816
−HK$5,632/mo
▼ 0.25% · 3.875%
HK$92,610
−HK$2,838/mo
Today · 4.125%
HK$95,448
baseline
▲ 0.50% · 4.625%
HK$101,256
+HK$5,808/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,896/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,919
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$102,599
−HK$2,719/mo
Today · 4.125%
HK$105,318
baseline
▲ 0.50% · 4.625%
HK$110,869
+HK$5,551/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,636/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,195,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,478
−HK$7,241/mo
▼ 0.25% · 3.875%
HK$119,070
−HK$3,649/mo
Today · 4.125%
HK$122,719
baseline
▲ 0.50% · 4.625%
HK$130,186
+HK$7,467/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$245,438/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,468
−HK$6,941/mo
▼ 0.25% · 3.875%
HK$131,913
−HK$3,496/mo
Today · 4.125%
HK$135,409
baseline
▲ 0.50% · 4.625%
HK$142,546
+HK$7,137/mo
Deposit HK$2.81M · loan HK$25.32M · min. income ≈ HK$270,818/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,724 · Scale 2, in force from 26 Feb 2026)