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$64,019
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,011
−HK$2,023/mo
Today · 4.125%
HK$68,034
baseline
▲ 0.50% · 4.625%
HK$72,174
+HK$4,140/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,068/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,221
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,131
−HK$1,938/mo
Today · 4.125%
HK$75,069
baseline
▲ 0.50% · 4.625%
HK$79,026
+HK$3,957/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,138/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,823
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,213
−HK$2,428/mo
Today · 4.125%
HK$81,641
baseline
▲ 0.50% · 4.625%
HK$86,608
+HK$4,967/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$163,282/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,465
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,757
−HK$2,325/mo
Today · 4.125%
HK$90,082
baseline
▲ 0.50% · 4.625%
HK$94,831
+HK$4,749/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$180,164/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,627
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,415
−HK$2,832/mo
Today · 4.125%
HK$95,247
baseline
▲ 0.50% · 4.625%
HK$101,043
+HK$5,796/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,494/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,709
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,383
−HK$2,713/mo
Today · 4.125%
HK$105,096
baseline
▲ 0.50% · 4.625%
HK$110,636
+HK$5,540/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,192/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,235
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$118,819
−HK$3,642/mo
Today · 4.125%
HK$122,461
baseline
▲ 0.50% · 4.625%
HK$129,912
+HK$7,451/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$244,922/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,197
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$131,636
−HK$3,488/mo
Today · 4.125%
HK$135,124
baseline
▲ 0.50% · 4.625%
HK$142,246
+HK$7,122/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$270,248/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,208 · Scale 2, in force from 26 Feb 2026)