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$64,001
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,992
−HK$2,022/mo
Today · 4.125%
HK$68,014
baseline
▲ 0.50% · 4.625%
HK$72,153
+HK$4,139/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$136,028/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,200
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,110
−HK$1,937/mo
Today · 4.125%
HK$75,047
baseline
▲ 0.50% · 4.625%
HK$79,003
+HK$3,956/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,094/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,192,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,801
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$79,190
−HK$2,427/mo
Today · 4.125%
HK$81,617
baseline
▲ 0.50% · 4.625%
HK$86,584
+HK$4,967/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,234/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,441
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$87,732
−HK$2,325/mo
Today · 4.125%
HK$90,057
baseline
▲ 0.50% · 4.625%
HK$94,804
+HK$4,747/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,114/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,601
−HK$5,619/mo
▼ 0.25% · 3.875%
HK$92,389
−HK$2,831/mo
Today · 4.125%
HK$95,220
baseline
▲ 0.50% · 4.625%
HK$101,014
+HK$5,794/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,440/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,681
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,354
−HK$2,712/mo
Today · 4.125%
HK$105,066
baseline
▲ 0.50% · 4.625%
HK$110,604
+HK$5,538/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,132/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,202
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$118,785
−HK$3,641/mo
Today · 4.125%
HK$122,426
baseline
▲ 0.50% · 4.625%
HK$129,875
+HK$7,449/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$244,852/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,161
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$131,598
−HK$3,487/mo
Today · 4.125%
HK$135,085
baseline
▲ 0.50% · 4.625%
HK$142,206
+HK$7,121/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$270,170/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,868 · Scale 2, in force from 26 Feb 2026)