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$64,057
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,050
−HK$2,024/mo
Today · 4.125%
HK$68,074
baseline
▲ 0.50% · 4.625%
HK$72,216
+HK$4,142/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,148/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,263
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,174
−HK$1,939/mo
Today · 4.125%
HK$75,113
baseline
▲ 0.50% · 4.625%
HK$79,072
+HK$3,959/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,226/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,869
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,260
−HK$2,429/mo
Today · 4.125%
HK$81,689
baseline
▲ 0.50% · 4.625%
HK$86,659
+HK$4,970/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,378/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,516
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,809
−HK$2,327/mo
Today · 4.125%
HK$90,136
baseline
▲ 0.50% · 4.625%
HK$94,887
+HK$4,751/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,272/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,680
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,470
−HK$2,834/mo
Today · 4.125%
HK$95,304
baseline
▲ 0.50% · 4.625%
HK$101,103
+HK$5,799/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$190,608/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,768
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,444
−HK$2,714/mo
Today · 4.125%
HK$105,158
baseline
▲ 0.50% · 4.625%
HK$110,701
+HK$5,543/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$210,316/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,303
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$118,889
−HK$3,644/mo
Today · 4.125%
HK$122,533
baseline
▲ 0.50% · 4.625%
HK$129,989
+HK$7,456/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$245,066/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,273
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,713
−HK$3,490/mo
Today · 4.125%
HK$135,203
baseline
▲ 0.50% · 4.625%
HK$142,330
+HK$7,127/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$270,406/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,914 · Scale 2, in force from 26 Feb 2026)