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$64,061
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,054
−HK$2,025/mo
Today · 4.125%
HK$68,079
baseline
▲ 0.50% · 4.625%
HK$72,221
+HK$4,142/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,158/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,268
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,179
−HK$1,939/mo
Today · 4.125%
HK$75,118
baseline
▲ 0.50% · 4.625%
HK$79,078
+HK$3,960/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,236/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,874
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,265
−HK$2,429/mo
Today · 4.125%
HK$81,694
baseline
▲ 0.50% · 4.625%
HK$86,665
+HK$4,971/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,388/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,521
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,815
−HK$2,327/mo
Today · 4.125%
HK$90,142
baseline
▲ 0.50% · 4.625%
HK$94,893
+HK$4,751/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,284/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,686
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,476
−HK$2,834/mo
Today · 4.125%
HK$95,310
baseline
▲ 0.50% · 4.625%
HK$101,109
+HK$5,799/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,620/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,775
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,451
−HK$2,714/mo
Today · 4.125%
HK$105,165
baseline
▲ 0.50% · 4.625%
HK$110,709
+HK$5,544/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,330/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,310
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,897
−HK$3,644/mo
Today · 4.125%
HK$122,541
baseline
▲ 0.50% · 4.625%
HK$129,998
+HK$7,457/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$245,082/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,282
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,722
−HK$3,490/mo
Today · 4.125%
HK$135,212
baseline
▲ 0.50% · 4.625%
HK$142,340
+HK$7,128/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$270,424/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,992 · Scale 2, in force from 26 Feb 2026)