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$64,097
−HK$4,019/mo
▼ 0.25% · 3.875%
HK$66,091
−HK$2,025/mo
Today · 4.125%
HK$68,116
baseline
▲ 0.50% · 4.625%
HK$72,261
+HK$4,145/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,232/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,307
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$73,220
−HK$1,940/mo
Today · 4.125%
HK$75,160
baseline
▲ 0.50% · 4.625%
HK$79,121
+HK$3,961/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,320/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,916
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$79,309
−HK$2,431/mo
Today · 4.125%
HK$81,740
baseline
▲ 0.50% · 4.625%
HK$86,713
+HK$4,973/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$163,480/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,569
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$87,863
−HK$2,329/mo
Today · 4.125%
HK$90,192
baseline
▲ 0.50% · 4.625%
HK$94,946
+HK$4,754/mo
Deposit HK$11.24M · loan HK$16.87M · min. income ≈ HK$180,384/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,736
−HK$5,627/mo
▼ 0.25% · 3.875%
HK$92,527
−HK$2,836/mo
Today · 4.125%
HK$95,363
baseline
▲ 0.50% · 4.625%
HK$101,165
+HK$5,802/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$190,726/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,830
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$102,507
−HK$2,717/mo
Today · 4.125%
HK$105,224
baseline
▲ 0.50% · 4.625%
HK$110,770
+HK$5,546/mo
Deposit HK$8.43M · loan HK$19.68M · min. income ≈ HK$210,448/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$1,194,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,374
−HK$7,235/mo
▼ 0.25% · 3.875%
HK$118,963
−HK$3,646/mo
Today · 4.125%
HK$122,609
baseline
▲ 0.50% · 4.625%
HK$130,070
+HK$7,461/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$245,218/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,353
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$131,795
−HK$3,492/mo
Today · 4.125%
HK$135,287
baseline
▲ 0.50% · 4.625%
HK$142,419
+HK$7,132/mo
Deposit HK$2.81M · loan HK$25.30M · min. income ≈ HK$270,574/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,194,655 · Scale 2, in force from 26 Feb 2026)