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$64,268
−HK$4,030/mo
▼ 0.25% · 3.875%
HK$66,267
−HK$2,031/mo
Today · 4.125%
HK$68,298
baseline
▲ 0.50% · 4.625%
HK$72,454
+HK$4,156/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$136,596/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,497
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$73,415
−HK$1,945/mo
Today · 4.125%
HK$75,360
baseline
▲ 0.50% · 4.625%
HK$79,333
+HK$3,973/mo
Deposit HK$14.09M · loan HK$14.09M · min. income ≈ HK$150,720/mo (50% DSR)
Upfront cash ≈ HK$15.29M (deposit + AVD stamp duty HK$1,197,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,122
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$79,520
−HK$2,438/mo
Today · 4.125%
HK$81,958
baseline
▲ 0.50% · 4.625%
HK$86,945
+HK$4,987/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$163,916/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,797
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$88,098
−HK$2,334/mo
Today · 4.125%
HK$90,432
baseline
▲ 0.50% · 4.625%
HK$95,199
+HK$4,767/mo
Deposit HK$11.27M · loan HK$16.91M · min. income ≈ HK$180,864/mo (50% DSR)
Upfront cash ≈ HK$12.47M (deposit + AVD stamp duty HK$1,197,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,975
−HK$5,642/mo
▼ 0.25% · 3.875%
HK$92,774
−HK$2,843/mo
Today · 4.125%
HK$95,617
baseline
▲ 0.50% · 4.625%
HK$101,435
+HK$5,818/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$191,234/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,096
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$102,781
−HK$2,723/mo
Today · 4.125%
HK$105,504
baseline
▲ 0.50% · 4.625%
HK$111,066
+HK$5,562/mo
Deposit HK$8.46M · loan HK$19.73M · min. income ≈ HK$211,008/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$1,197,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,682
−HK$7,255/mo
▼ 0.25% · 3.875%
HK$119,281
−HK$3,656/mo
Today · 4.125%
HK$122,937
baseline
▲ 0.50% · 4.625%
HK$130,417
+HK$7,480/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$245,874/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,695
−HK$6,953/mo
▼ 0.25% · 3.875%
HK$132,147
−HK$3,501/mo
Today · 4.125%
HK$135,648
baseline
▲ 0.50% · 4.625%
HK$142,799
+HK$7,151/mo
Deposit HK$2.82M · loan HK$25.37M · min. income ≈ HK$271,296/mo (50% DSR)
Upfront cash ≈ HK$4.02M (deposit + AVD stamp duty HK$1,197,843 · Scale 2, in force from 26 Feb 2026)