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$64,118
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$66,113
−HK$2,026/mo
Today · 4.125%
HK$68,139
baseline
▲ 0.50% · 4.625%
HK$72,285
+HK$4,146/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,278/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,195,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,331
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,244
−HK$1,941/mo
Today · 4.125%
HK$75,185
baseline
▲ 0.50% · 4.625%
HK$79,148
+HK$3,963/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,370/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,195,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,942
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$79,335
−HK$2,432/mo
Today · 4.125%
HK$81,767
baseline
▲ 0.50% · 4.625%
HK$86,742
+HK$4,975/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$163,534/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,195,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,597
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$87,893
−HK$2,329/mo
Today · 4.125%
HK$90,222
baseline
▲ 0.50% · 4.625%
HK$94,977
+HK$4,755/mo
Deposit HK$11.25M · loan HK$16.87M · min. income ≈ HK$180,444/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,195,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,765
−HK$5,630/mo
▼ 0.25% · 3.875%
HK$92,558
−HK$2,837/mo
Today · 4.125%
HK$95,395
baseline
▲ 0.50% · 4.625%
HK$101,199
+HK$5,804/mo
Deposit HK$8.44M · loan HK$19.68M · min. income ≈ HK$190,790/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,863
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,541
−HK$2,718/mo
Today · 4.125%
HK$105,259
baseline
▲ 0.50% · 4.625%
HK$110,807
+HK$5,548/mo
Deposit HK$8.44M · loan HK$19.68M · min. income ≈ HK$210,518/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,413
−HK$7,237/mo
▼ 0.25% · 3.875%
HK$119,003
−HK$3,647/mo
Today · 4.125%
HK$122,650
baseline
▲ 0.50% · 4.625%
HK$130,113
+HK$7,463/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,300/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,396
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$131,839
−HK$3,493/mo
Today · 4.125%
HK$135,332
baseline
▲ 0.50% · 4.625%
HK$142,466
+HK$7,134/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,664/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,052 · Scale 2, in force from 26 Feb 2026)