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$64,004
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,995
−HK$2,023/mo
Today · 4.125%
HK$68,018
baseline
▲ 0.50% · 4.625%
HK$72,156
+HK$4,138/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$136,036/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,204
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,113
−HK$1,938/mo
Today · 4.125%
HK$75,051
baseline
▲ 0.50% · 4.625%
HK$79,007
+HK$3,956/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,102/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,805
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,194
−HK$2,427/mo
Today · 4.125%
HK$81,621
baseline
▲ 0.50% · 4.625%
HK$86,587
+HK$4,966/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,242/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,444
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,736
−HK$2,325/mo
Today · 4.125%
HK$90,061
baseline
▲ 0.50% · 4.625%
HK$94,808
+HK$4,747/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,122/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,605
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,393
−HK$2,832/mo
Today · 4.125%
HK$95,225
baseline
▲ 0.50% · 4.625%
HK$101,019
+HK$5,794/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,450/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,685
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,359
−HK$2,712/mo
Today · 4.125%
HK$105,071
baseline
▲ 0.50% · 4.625%
HK$110,609
+HK$5,538/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,142/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,207
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,791
−HK$3,641/mo
Today · 4.125%
HK$122,432
baseline
▲ 0.50% · 4.625%
HK$129,881
+HK$7,449/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$244,864/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,167
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,604
−HK$3,487/mo
Today · 4.125%
HK$135,091
baseline
▲ 0.50% · 4.625%
HK$142,212
+HK$7,121/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$270,182/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,922 · Scale 2, in force from 26 Feb 2026)