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$64,009
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$66,000
−HK$2,022/mo
Today · 4.125%
HK$68,022
baseline
▲ 0.50% · 4.625%
HK$72,161
+HK$4,139/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,044/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,209
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,119
−HK$1,937/mo
Today · 4.125%
HK$75,056
baseline
▲ 0.50% · 4.625%
HK$79,012
+HK$3,956/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,112/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,810
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,199
−HK$2,428/mo
Today · 4.125%
HK$81,627
baseline
▲ 0.50% · 4.625%
HK$86,594
+HK$4,967/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,254/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,451
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,742
−HK$2,325/mo
Today · 4.125%
HK$90,067
baseline
▲ 0.50% · 4.625%
HK$94,815
+HK$4,748/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,134/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,612
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,399
−HK$2,832/mo
Today · 4.125%
HK$95,231
baseline
▲ 0.50% · 4.625%
HK$101,026
+HK$5,795/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,462/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,193,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,692
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,366
−HK$2,712/mo
Today · 4.125%
HK$105,078
baseline
▲ 0.50% · 4.625%
HK$110,617
+HK$5,539/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,156/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,193,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,215
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,799
−HK$3,641/mo
Today · 4.125%
HK$122,440
baseline
▲ 0.50% · 4.625%
HK$129,891
+HK$7,451/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$244,880/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,176
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$131,614
−HK$3,487/mo
Today · 4.125%
HK$135,101
baseline
▲ 0.50% · 4.625%
HK$142,222
+HK$7,121/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$270,202/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,008 · Scale 2, in force from 26 Feb 2026)