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$64,034
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,026
−HK$2,023/mo
Today · 4.125%
HK$68,049
baseline
▲ 0.50% · 4.625%
HK$72,190
+HK$4,141/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,098/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,237
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,147
−HK$1,939/mo
Today · 4.125%
HK$75,086
baseline
▲ 0.50% · 4.625%
HK$79,043
+HK$3,957/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,172/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,840
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$79,231
−HK$2,428/mo
Today · 4.125%
HK$81,659
baseline
▲ 0.50% · 4.625%
HK$86,628
+HK$4,969/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$163,318/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,484
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$87,777
−HK$2,326/mo
Today · 4.125%
HK$90,103
baseline
▲ 0.50% · 4.625%
HK$94,852
+HK$4,749/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$180,206/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,647
−HK$5,622/mo
▼ 0.25% · 3.875%
HK$92,436
−HK$2,833/mo
Today · 4.125%
HK$95,269
baseline
▲ 0.50% · 4.625%
HK$101,066
+HK$5,797/mo
Deposit HK$8.42M · loan HK$19.66M · min. income ≈ HK$190,538/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,732
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,406
−HK$2,714/mo
Today · 4.125%
HK$105,120
baseline
▲ 0.50% · 4.625%
HK$110,661
+HK$5,541/mo
Deposit HK$8.42M · loan HK$19.66M · min. income ≈ HK$210,240/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,261
−HK$7,228/mo
▼ 0.25% · 3.875%
HK$118,846
−HK$3,643/mo
Today · 4.125%
HK$122,489
baseline
▲ 0.50% · 4.625%
HK$129,942
+HK$7,453/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$244,978/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,226
−HK$6,928/mo
▼ 0.25% · 3.875%
HK$131,665
−HK$3,489/mo
Today · 4.125%
HK$135,154
baseline
▲ 0.50% · 4.625%
HK$142,278
+HK$7,124/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$270,308/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,477 · Scale 2, in force from 26 Feb 2026)