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$64,025
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,017
−HK$2,023/mo
Today · 4.125%
HK$68,040
baseline
▲ 0.50% · 4.625%
HK$72,180
+HK$4,140/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,080/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,227
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,138
−HK$1,938/mo
Today · 4.125%
HK$75,076
baseline
▲ 0.50% · 4.625%
HK$79,033
+HK$3,957/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,152/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,830
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$79,220
−HK$2,428/mo
Today · 4.125%
HK$81,648
baseline
▲ 0.50% · 4.625%
HK$86,616
+HK$4,968/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$163,296/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,473
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,765
−HK$2,326/mo
Today · 4.125%
HK$90,091
baseline
▲ 0.50% · 4.625%
HK$94,840
+HK$4,749/mo
Deposit HK$11.23M · loan HK$16.85M · min. income ≈ HK$180,182/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,635
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$92,423
−HK$2,833/mo
Today · 4.125%
HK$95,256
baseline
▲ 0.50% · 4.625%
HK$101,052
+HK$5,796/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,512/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,718
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$102,393
−HK$2,713/mo
Today · 4.125%
HK$105,106
baseline
▲ 0.50% · 4.625%
HK$110,646
+HK$5,540/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,212/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,245
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$118,830
−HK$3,642/mo
Today · 4.125%
HK$122,472
baseline
▲ 0.50% · 4.625%
HK$129,924
+HK$7,452/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$244,944/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,209
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$131,648
−HK$3,488/mo
Today · 4.125%
HK$135,136
baseline
▲ 0.50% · 4.625%
HK$142,259
+HK$7,123/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$270,272/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,319 · Scale 2, in force from 26 Feb 2026)