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$64,022
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,014
−HK$2,023/mo
Today · 4.125%
HK$68,037
baseline
▲ 0.50% · 4.625%
HK$72,177
+HK$4,140/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,074/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,224
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,135
−HK$1,937/mo
Today · 4.125%
HK$75,072
baseline
▲ 0.50% · 4.625%
HK$79,030
+HK$3,958/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,144/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,827
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,217
−HK$2,428/mo
Today · 4.125%
HK$81,645
baseline
▲ 0.50% · 4.625%
HK$86,613
+HK$4,968/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$163,290/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,469
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,761
−HK$2,326/mo
Today · 4.125%
HK$90,087
baseline
▲ 0.50% · 4.625%
HK$94,835
+HK$4,748/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$180,174/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,631
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,419
−HK$2,833/mo
Today · 4.125%
HK$95,252
baseline
▲ 0.50% · 4.625%
HK$101,048
+HK$5,796/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,504/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,714
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,388
−HK$2,713/mo
Today · 4.125%
HK$105,101
baseline
▲ 0.50% · 4.625%
HK$110,641
+HK$5,540/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,202/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,240
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$118,825
−HK$3,642/mo
Today · 4.125%
HK$122,467
baseline
▲ 0.50% · 4.625%
HK$129,919
+HK$7,452/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$244,934/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,204
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$131,642
−HK$3,488/mo
Today · 4.125%
HK$135,130
baseline
▲ 0.50% · 4.625%
HK$142,253
+HK$7,123/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$270,260/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,267 · Scale 2, in force from 26 Feb 2026)