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$64,003
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,994
−HK$2,023/mo
Today · 4.125%
HK$68,017
baseline
▲ 0.50% · 4.625%
HK$72,155
+HK$4,138/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$136,034/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,203
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,112
−HK$1,938/mo
Today · 4.125%
HK$75,050
baseline
▲ 0.50% · 4.625%
HK$79,006
+HK$3,956/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,100/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,804
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,193
−HK$2,427/mo
Today · 4.125%
HK$81,620
baseline
▲ 0.50% · 4.625%
HK$86,586
+HK$4,966/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,240/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,443
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,735
−HK$2,325/mo
Today · 4.125%
HK$90,060
baseline
▲ 0.50% · 4.625%
HK$94,807
+HK$4,747/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,120/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,604
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,392
−HK$2,831/mo
Today · 4.125%
HK$95,223
baseline
▲ 0.50% · 4.625%
HK$101,017
+HK$5,794/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,446/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,684
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,357
−HK$2,713/mo
Today · 4.125%
HK$105,070
baseline
▲ 0.50% · 4.625%
HK$110,608
+HK$5,538/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,140/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,206
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$118,789
−HK$3,641/mo
Today · 4.125%
HK$122,430
baseline
▲ 0.50% · 4.625%
HK$129,880
+HK$7,450/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$244,860/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,165
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,602
−HK$3,487/mo
Today · 4.125%
HK$135,089
baseline
▲ 0.50% · 4.625%
HK$142,210
+HK$7,121/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$270,178/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,907 · Scale 2, in force from 26 Feb 2026)