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$64,080
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,073
−HK$2,025/mo
Today · 4.125%
HK$68,098
baseline
▲ 0.50% · 4.625%
HK$72,241
+HK$4,143/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,196/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,288
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,200
−HK$1,939/mo
Today · 4.125%
HK$75,139
baseline
▲ 0.50% · 4.625%
HK$79,100
+HK$3,961/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,278/mo (50% DSR)
Upfront cash ≈ HK$15.25M (deposit + AVD stamp duty HK$1,194,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,895
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$79,287
−HK$2,430/mo
Today · 4.125%
HK$81,717
baseline
▲ 0.50% · 4.625%
HK$86,690
+HK$4,973/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,434/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,545
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$87,840
−HK$2,327/mo
Today · 4.125%
HK$90,167
baseline
▲ 0.50% · 4.625%
HK$94,920
+HK$4,753/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,334/mo (50% DSR)
Upfront cash ≈ HK$12.44M (deposit + AVD stamp duty HK$1,194,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,711
−HK$5,626/mo
▼ 0.25% · 3.875%
HK$92,502
−HK$2,835/mo
Today · 4.125%
HK$95,337
baseline
▲ 0.50% · 4.625%
HK$101,138
+HK$5,801/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,674/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,803
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,480
−HK$2,715/mo
Today · 4.125%
HK$105,195
baseline
▲ 0.50% · 4.625%
HK$110,740
+HK$5,545/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,390/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,343
−HK$7,233/mo
▼ 0.25% · 3.875%
HK$118,931
−HK$3,645/mo
Today · 4.125%
HK$122,576
baseline
▲ 0.50% · 4.625%
HK$130,035
+HK$7,459/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$245,152/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,318
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$131,759
−HK$3,492/mo
Today · 4.125%
HK$135,251
baseline
▲ 0.50% · 4.625%
HK$142,380
+HK$7,129/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$270,502/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,331 · Scale 2, in force from 26 Feb 2026)