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$64,050
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,042
−HK$2,024/mo
Today · 4.125%
HK$68,066
baseline
▲ 0.50% · 4.625%
HK$72,208
+HK$4,142/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,132/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,255
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,166
−HK$1,938/mo
Today · 4.125%
HK$75,104
baseline
▲ 0.50% · 4.625%
HK$79,063
+HK$3,959/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,208/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,860
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,250
−HK$2,429/mo
Today · 4.125%
HK$81,679
baseline
▲ 0.50% · 4.625%
HK$86,649
+HK$4,970/mo
Deposit HK$11.24M · loan HK$16.85M · min. income ≈ HK$163,358/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,505
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,799
−HK$2,326/mo
Today · 4.125%
HK$90,125
baseline
▲ 0.50% · 4.625%
HK$94,876
+HK$4,751/mo
Deposit HK$11.24M · loan HK$16.85M · min. income ≈ HK$180,250/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,669
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,459
−HK$2,834/mo
Today · 4.125%
HK$95,293
baseline
▲ 0.50% · 4.625%
HK$101,091
+HK$5,798/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$190,586/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,756
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,432
−HK$2,714/mo
Today · 4.125%
HK$105,146
baseline
▲ 0.50% · 4.625%
HK$110,688
+HK$5,542/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$210,292/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,289
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$118,875
−HK$3,644/mo
Today · 4.125%
HK$122,519
baseline
▲ 0.50% · 4.625%
HK$129,974
+HK$7,455/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$245,038/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,258
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,698
−HK$3,490/mo
Today · 4.125%
HK$135,188
baseline
▲ 0.50% · 4.625%
HK$142,313
+HK$7,125/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$270,376/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,773 · Scale 2, in force from 26 Feb 2026)