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$64,022
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,013
−HK$2,024/mo
Today · 4.125%
HK$68,037
baseline
▲ 0.50% · 4.625%
HK$72,176
+HK$4,139/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,074/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,224
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,134
−HK$1,938/mo
Today · 4.125%
HK$75,072
baseline
▲ 0.50% · 4.625%
HK$79,029
+HK$3,957/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,144/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,826
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,216
−HK$2,428/mo
Today · 4.125%
HK$81,644
baseline
▲ 0.50% · 4.625%
HK$86,612
+HK$4,968/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$163,288/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,468
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,761
−HK$2,325/mo
Today · 4.125%
HK$90,086
baseline
▲ 0.50% · 4.625%
HK$94,835
+HK$4,749/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$180,172/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,631
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,419
−HK$2,832/mo
Today · 4.125%
HK$95,251
baseline
▲ 0.50% · 4.625%
HK$101,047
+HK$5,796/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,502/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,713
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,387
−HK$2,713/mo
Today · 4.125%
HK$105,100
baseline
▲ 0.50% · 4.625%
HK$110,640
+HK$5,540/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,200/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,239
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$118,824
−HK$3,642/mo
Today · 4.125%
HK$122,466
baseline
▲ 0.50% · 4.625%
HK$129,918
+HK$7,452/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$244,932/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,203
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$131,641
−HK$3,488/mo
Today · 4.125%
HK$135,129
baseline
▲ 0.50% · 4.625%
HK$142,252
+HK$7,123/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$270,258/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,257 · Scale 2, in force from 26 Feb 2026)