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$64,077
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,070
−HK$2,025/mo
Today · 4.125%
HK$68,095
baseline
▲ 0.50% · 4.625%
HK$72,238
+HK$4,143/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,190/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,285
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,196
−HK$1,940/mo
Today · 4.125%
HK$75,136
baseline
▲ 0.50% · 4.625%
HK$79,096
+HK$3,960/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,272/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,892
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,284
−HK$2,430/mo
Today · 4.125%
HK$81,714
baseline
▲ 0.50% · 4.625%
HK$86,686
+HK$4,972/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,428/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,541
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,836
−HK$2,327/mo
Today · 4.125%
HK$90,163
baseline
▲ 0.50% · 4.625%
HK$94,916
+HK$4,753/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,326/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,707
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,498
−HK$2,835/mo
Today · 4.125%
HK$95,333
baseline
▲ 0.50% · 4.625%
HK$101,133
+HK$5,800/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,666/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,798
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,475
−HK$2,715/mo
Today · 4.125%
HK$105,190
baseline
▲ 0.50% · 4.625%
HK$110,735
+HK$5,545/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,380/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,338
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,925
−HK$3,646/mo
Today · 4.125%
HK$122,571
baseline
▲ 0.50% · 4.625%
HK$130,029
+HK$7,458/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$245,142/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,312
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,753
−HK$3,491/mo
Today · 4.125%
HK$135,244
baseline
▲ 0.50% · 4.625%
HK$142,373
+HK$7,129/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$270,488/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,276 · Scale 2, in force from 26 Feb 2026)