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$64,024
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,015
−HK$2,024/mo
Today · 4.125%
HK$68,039
baseline
▲ 0.50% · 4.625%
HK$72,179
+HK$4,140/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,078/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,226
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,136
−HK$1,938/mo
Today · 4.125%
HK$75,074
baseline
▲ 0.50% · 4.625%
HK$79,031
+HK$3,957/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,148/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,828
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,218
−HK$2,428/mo
Today · 4.125%
HK$81,646
baseline
▲ 0.50% · 4.625%
HK$86,614
+HK$4,968/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$163,292/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,471
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,763
−HK$2,326/mo
Today · 4.125%
HK$90,089
baseline
▲ 0.50% · 4.625%
HK$94,837
+HK$4,748/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$180,178/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,633
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,421
−HK$2,833/mo
Today · 4.125%
HK$95,254
baseline
▲ 0.50% · 4.625%
HK$101,050
+HK$5,796/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,508/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,716
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,390
−HK$2,713/mo
Today · 4.125%
HK$105,103
baseline
▲ 0.50% · 4.625%
HK$110,643
+HK$5,540/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,206/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,243
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$118,827
−HK$3,642/mo
Today · 4.125%
HK$122,469
baseline
▲ 0.50% · 4.625%
HK$129,921
+HK$7,452/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$244,938/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,206
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$131,645
−HK$3,488/mo
Today · 4.125%
HK$135,133
baseline
▲ 0.50% · 4.625%
HK$142,256
+HK$7,123/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$270,266/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,290 · Scale 2, in force from 26 Feb 2026)