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$64,073
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,066
−HK$2,025/mo
Today · 4.125%
HK$68,091
baseline
▲ 0.50% · 4.625%
HK$72,235
+HK$4,144/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,182/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,281
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,193
−HK$1,939/mo
Today · 4.125%
HK$75,132
baseline
▲ 0.50% · 4.625%
HK$79,092
+HK$3,960/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,264/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,888
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,280
−HK$2,430/mo
Today · 4.125%
HK$81,710
baseline
▲ 0.50% · 4.625%
HK$86,681
+HK$4,971/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,420/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,537
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,831
−HK$2,327/mo
Today · 4.125%
HK$90,158
baseline
▲ 0.50% · 4.625%
HK$94,911
+HK$4,753/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,316/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,703
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,493
−HK$2,835/mo
Today · 4.125%
HK$95,328
baseline
▲ 0.50% · 4.625%
HK$101,128
+HK$5,800/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,656/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,793
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,470
−HK$2,715/mo
Today · 4.125%
HK$105,185
baseline
▲ 0.50% · 4.625%
HK$110,729
+HK$5,544/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,370/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,332
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$118,920
−HK$3,644/mo
Today · 4.125%
HK$122,564
baseline
▲ 0.50% · 4.625%
HK$130,022
+HK$7,458/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$245,128/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,306
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$131,747
−HK$3,491/mo
Today · 4.125%
HK$135,238
baseline
▲ 0.50% · 4.625%
HK$142,366
+HK$7,128/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$270,476/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,216 · Scale 2, in force from 26 Feb 2026)