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$64,011
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,002
−HK$2,023/mo
Today · 4.125%
HK$68,025
baseline
▲ 0.50% · 4.625%
HK$72,164
+HK$4,139/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,050/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,211
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,121
−HK$1,938/mo
Today · 4.125%
HK$75,059
baseline
▲ 0.50% · 4.625%
HK$79,015
+HK$3,956/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,118/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,813
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,202
−HK$2,428/mo
Today · 4.125%
HK$81,630
baseline
▲ 0.50% · 4.625%
HK$86,597
+HK$4,967/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,260/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,453
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,745
−HK$2,325/mo
Today · 4.125%
HK$90,070
baseline
▲ 0.50% · 4.625%
HK$94,818
+HK$4,748/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,140/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,615
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,402
−HK$2,833/mo
Today · 4.125%
HK$95,235
baseline
▲ 0.50% · 4.625%
HK$101,029
+HK$5,794/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,470/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,193,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,696
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,369
−HK$2,713/mo
Today · 4.125%
HK$105,082
baseline
▲ 0.50% · 4.625%
HK$110,621
+HK$5,539/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,164/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,193,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,219
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,803
−HK$3,641/mo
Today · 4.125%
HK$122,444
baseline
▲ 0.50% · 4.625%
HK$129,895
+HK$7,451/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$244,888/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,180
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$131,618
−HK$3,487/mo
Today · 4.125%
HK$135,105
baseline
▲ 0.50% · 4.625%
HK$142,227
+HK$7,122/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$270,210/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,047 · Scale 2, in force from 26 Feb 2026)