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$64,045
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,037
−HK$2,024/mo
Today · 4.125%
HK$68,061
baseline
▲ 0.50% · 4.625%
HK$72,202
+HK$4,141/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,122/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,249
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,160
−HK$1,939/mo
Today · 4.125%
HK$75,099
baseline
▲ 0.50% · 4.625%
HK$79,057
+HK$3,958/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,198/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,854
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,244
−HK$2,429/mo
Today · 4.125%
HK$81,673
baseline
▲ 0.50% · 4.625%
HK$86,643
+HK$4,970/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$163,346/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,499
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,792
−HK$2,326/mo
Today · 4.125%
HK$90,118
baseline
▲ 0.50% · 4.625%
HK$94,869
+HK$4,751/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$180,236/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,663
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,452
−HK$2,833/mo
Today · 4.125%
HK$95,285
baseline
▲ 0.50% · 4.625%
HK$101,083
+HK$5,798/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$190,570/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,749
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$102,424
−HK$2,714/mo
Today · 4.125%
HK$105,138
baseline
▲ 0.50% · 4.625%
HK$110,680
+HK$5,542/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$210,276/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,281
−HK$7,229/mo
▼ 0.25% · 3.875%
HK$118,867
−HK$3,643/mo
Today · 4.125%
HK$122,510
baseline
▲ 0.50% · 4.625%
HK$129,964
+HK$7,454/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$245,020/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,249
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$131,688
−HK$3,490/mo
Today · 4.125%
HK$135,178
baseline
▲ 0.50% · 4.625%
HK$142,303
+HK$7,125/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$270,356/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,685 · Scale 2, in force from 26 Feb 2026)