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$64,067
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,060
−HK$2,025/mo
Today · 4.125%
HK$68,085
baseline
▲ 0.50% · 4.625%
HK$72,227
+HK$4,142/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,170/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,274
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,186
−HK$1,939/mo
Today · 4.125%
HK$75,125
baseline
▲ 0.50% · 4.625%
HK$79,085
+HK$3,960/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,250/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,880
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,272
−HK$2,430/mo
Today · 4.125%
HK$81,702
baseline
▲ 0.50% · 4.625%
HK$86,673
+HK$4,971/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,404/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,529
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,823
−HK$2,327/mo
Today · 4.125%
HK$90,150
baseline
▲ 0.50% · 4.625%
HK$94,902
+HK$4,752/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,300/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,694
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,484
−HK$2,835/mo
Today · 4.125%
HK$95,319
baseline
▲ 0.50% · 4.625%
HK$101,118
+HK$5,799/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,638/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,784
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,460
−HK$2,715/mo
Today · 4.125%
HK$105,175
baseline
▲ 0.50% · 4.625%
HK$110,718
+HK$5,543/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,350/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,321
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,908
−HK$3,644/mo
Today · 4.125%
HK$122,552
baseline
▲ 0.50% · 4.625%
HK$130,009
+HK$7,457/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$245,104/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,293
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$131,734
−HK$3,490/mo
Today · 4.125%
HK$135,224
baseline
▲ 0.50% · 4.625%
HK$142,352
+HK$7,128/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$270,448/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,099 · Scale 2, in force from 26 Feb 2026)