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$64,138
−HK$4,022/mo
▼ 0.25% · 3.875%
HK$66,133
−HK$2,027/mo
Today · 4.125%
HK$68,160
baseline
▲ 0.50% · 4.625%
HK$72,307
+HK$4,147/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$136,320/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,353
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$73,266
−HK$1,941/mo
Today · 4.125%
HK$75,207
baseline
▲ 0.50% · 4.625%
HK$79,172
+HK$3,965/mo
Deposit HK$14.06M · loan HK$14.06M · min. income ≈ HK$150,414/mo (50% DSR)
Upfront cash ≈ HK$15.26M (deposit + AVD stamp duty HK$1,195,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,965
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,359
−HK$2,433/mo
Today · 4.125%
HK$81,792
baseline
▲ 0.50% · 4.625%
HK$86,768
+HK$4,976/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$163,584/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,623
−HK$4,626/mo
▼ 0.25% · 3.875%
HK$87,919
−HK$2,330/mo
Today · 4.125%
HK$90,249
baseline
▲ 0.50% · 4.625%
HK$95,006
+HK$4,757/mo
Deposit HK$11.25M · loan HK$16.88M · min. income ≈ HK$180,498/mo (50% DSR)
Upfront cash ≈ HK$12.45M (deposit + AVD stamp duty HK$1,195,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,793
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$92,586
−HK$2,838/mo
Today · 4.125%
HK$95,424
baseline
▲ 0.50% · 4.625%
HK$101,230
+HK$5,806/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$190,848/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,894
−HK$5,396/mo
▼ 0.25% · 3.875%
HK$102,573
−HK$2,717/mo
Today · 4.125%
HK$105,290
baseline
▲ 0.50% · 4.625%
HK$110,840
+HK$5,550/mo
Deposit HK$8.44M · loan HK$19.69M · min. income ≈ HK$210,580/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,195,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,448
−HK$7,239/mo
▼ 0.25% · 3.875%
HK$119,039
−HK$3,648/mo
Today · 4.125%
HK$122,687
baseline
▲ 0.50% · 4.625%
HK$130,153
+HK$7,466/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$245,374/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,435
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$131,879
−HK$3,494/mo
Today · 4.125%
HK$135,373
baseline
▲ 0.50% · 4.625%
HK$142,509
+HK$7,136/mo
Deposit HK$2.81M · loan HK$25.31M · min. income ≈ HK$270,746/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,195,415 · Scale 2, in force from 26 Feb 2026)