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$64,040
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,032
−HK$2,024/mo
Today · 4.125%
HK$68,056
baseline
▲ 0.50% · 4.625%
HK$72,197
+HK$4,141/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,112/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,244
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,155
−HK$1,938/mo
Today · 4.125%
HK$75,093
baseline
▲ 0.50% · 4.625%
HK$79,051
+HK$3,958/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,186/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,848
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,239
−HK$2,428/mo
Today · 4.125%
HK$81,667
baseline
▲ 0.50% · 4.625%
HK$86,637
+HK$4,970/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$163,334/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,493
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,786
−HK$2,326/mo
Today · 4.125%
HK$90,112
baseline
▲ 0.50% · 4.625%
HK$94,862
+HK$4,750/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$180,224/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,656
−HK$5,623/mo
▼ 0.25% · 3.875%
HK$92,445
−HK$2,834/mo
Today · 4.125%
HK$95,279
baseline
▲ 0.50% · 4.625%
HK$101,076
+HK$5,797/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$190,558/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,742
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,417
−HK$2,713/mo
Today · 4.125%
HK$105,130
baseline
▲ 0.50% · 4.625%
HK$110,672
+HK$5,542/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$210,260/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,272
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,858
−HK$3,643/mo
Today · 4.125%
HK$122,501
baseline
▲ 0.50% · 4.625%
HK$129,955
+HK$7,454/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$245,002/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,239
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,679
−HK$3,489/mo
Today · 4.125%
HK$135,168
baseline
▲ 0.50% · 4.625%
HK$142,293
+HK$7,125/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$270,336/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,598 · Scale 2, in force from 26 Feb 2026)