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$64,026
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,018
−HK$2,023/mo
Today · 4.125%
HK$68,041
baseline
▲ 0.50% · 4.625%
HK$72,181
+HK$4,140/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,082/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,229
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,139
−HK$1,938/mo
Today · 4.125%
HK$75,077
baseline
▲ 0.50% · 4.625%
HK$79,034
+HK$3,957/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,154/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,832
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,221
−HK$2,429/mo
Today · 4.125%
HK$81,650
baseline
▲ 0.50% · 4.625%
HK$86,618
+HK$4,968/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$163,300/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,474
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,767
−HK$2,325/mo
Today · 4.125%
HK$90,092
baseline
▲ 0.50% · 4.625%
HK$94,841
+HK$4,749/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$180,184/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,637
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,425
−HK$2,833/mo
Today · 4.125%
HK$95,258
baseline
▲ 0.50% · 4.625%
HK$101,054
+HK$5,796/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,516/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,720
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,395
−HK$2,713/mo
Today · 4.125%
HK$105,108
baseline
▲ 0.50% · 4.625%
HK$110,648
+HK$5,540/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,216/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,247
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$118,832
−HK$3,642/mo
Today · 4.125%
HK$122,474
baseline
▲ 0.50% · 4.625%
HK$129,927
+HK$7,453/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$244,948/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,212
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$131,650
−HK$3,488/mo
Today · 4.125%
HK$135,138
baseline
▲ 0.50% · 4.625%
HK$142,262
+HK$7,124/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$270,276/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,339 · Scale 2, in force from 26 Feb 2026)