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$64,115
−HK$4,020/mo
▼ 0.25% · 3.875%
HK$66,109
−HK$2,026/mo
Today · 4.125%
HK$68,135
baseline
▲ 0.50% · 4.625%
HK$72,281
+HK$4,146/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,270/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,327
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,240
−HK$1,941/mo
Today · 4.125%
HK$75,181
baseline
▲ 0.50% · 4.625%
HK$79,144
+HK$3,963/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,362/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,938
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,331
−HK$2,431/mo
Today · 4.125%
HK$81,762
baseline
▲ 0.50% · 4.625%
HK$86,737
+HK$4,975/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$163,524/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,592
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,888
−HK$2,329/mo
Today · 4.125%
HK$90,217
baseline
▲ 0.50% · 4.625%
HK$94,972
+HK$4,755/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$180,434/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,761
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$92,553
−HK$2,836/mo
Today · 4.125%
HK$95,389
baseline
▲ 0.50% · 4.625%
HK$101,194
+HK$5,805/mo
Deposit HK$8.44M · loan HK$19.68M · min. income ≈ HK$190,778/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,858
−HK$5,395/mo
▼ 0.25% · 3.875%
HK$102,536
−HK$2,717/mo
Today · 4.125%
HK$105,253
baseline
▲ 0.50% · 4.625%
HK$110,801
+HK$5,548/mo
Deposit HK$8.44M · loan HK$19.68M · min. income ≈ HK$210,506/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,407
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$118,996
−HK$3,648/mo
Today · 4.125%
HK$122,644
baseline
▲ 0.50% · 4.625%
HK$130,106
+HK$7,462/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,288/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,389
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,832
−HK$3,493/mo
Today · 4.125%
HK$135,325
baseline
▲ 0.50% · 4.625%
HK$142,458
+HK$7,133/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,650/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,988 · Scale 2, in force from 26 Feb 2026)