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$64,068
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,060
−HK$2,025/mo
Today · 4.125%
HK$68,085
baseline
▲ 0.50% · 4.625%
HK$72,228
+HK$4,143/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$1,194,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,275
−HK$3,850/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$1,194,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,881
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,273
−HK$2,429/mo
Today · 4.125%
HK$81,702
baseline
▲ 0.50% · 4.625%
HK$86,674
+HK$4,972/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$1,194,109 · 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$1,194,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,695
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,485
−HK$2,834/mo
Today · 4.125%
HK$95,319
baseline
▲ 0.50% · 4.625%
HK$101,119
+HK$5,800/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$1,194,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,784
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$102,461
−HK$2,714/mo
Today · 4.125%
HK$105,175
baseline
▲ 0.50% · 4.625%
HK$110,719
+HK$5,544/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$1,194,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,322
−HK$7,231/mo
▼ 0.25% · 3.875%
HK$118,909
−HK$3,644/mo
Today · 4.125%
HK$122,553
baseline
▲ 0.50% · 4.625%
HK$130,010
+HK$7,457/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$245,106/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,294
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,735
−HK$3,491/mo
Today · 4.125%
HK$135,226
baseline
▲ 0.50% · 4.625%
HK$142,354
+HK$7,128/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$270,452/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,109 · Scale 2, in force from 26 Feb 2026)