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$64,004
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,995
−HK$2,023/mo
Today · 4.125%
HK$68,018
baseline
▲ 0.50% · 4.625%
HK$72,157
+HK$4,139/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$136,036/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,204
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,114
−HK$1,937/mo
Today · 4.125%
HK$75,051
baseline
▲ 0.50% · 4.625%
HK$79,007
+HK$3,956/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,102/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,805
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,194
−HK$2,428/mo
Today · 4.125%
HK$81,622
baseline
▲ 0.50% · 4.625%
HK$86,588
+HK$4,966/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,244/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,445
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$87,737
−HK$2,325/mo
Today · 4.125%
HK$90,062
baseline
▲ 0.50% · 4.625%
HK$94,809
+HK$4,747/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,124/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,606
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,394
−HK$2,831/mo
Today · 4.125%
HK$95,225
baseline
▲ 0.50% · 4.625%
HK$101,020
+HK$5,795/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,450/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,686
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$102,360
−HK$2,712/mo
Today · 4.125%
HK$105,072
baseline
▲ 0.50% · 4.625%
HK$110,610
+HK$5,538/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,144/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,208
−HK$7,225/mo
▼ 0.25% · 3.875%
HK$118,792
−HK$3,641/mo
Today · 4.125%
HK$122,433
baseline
▲ 0.50% · 4.625%
HK$129,882
+HK$7,449/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$244,866/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,168
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,605
−HK$3,487/mo
Today · 4.125%
HK$135,092
baseline
▲ 0.50% · 4.625%
HK$142,213
+HK$7,121/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$270,184/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,933 · Scale 2, in force from 26 Feb 2026)