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$64,053
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,046
−HK$2,024/mo
Today · 4.125%
HK$68,070
baseline
▲ 0.50% · 4.625%
HK$72,212
+HK$4,142/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,140/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,258
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,170
−HK$1,938/mo
Today · 4.125%
HK$75,108
baseline
▲ 0.50% · 4.625%
HK$79,067
+HK$3,959/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,216/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,193,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,864
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$79,255
−HK$2,429/mo
Today · 4.125%
HK$81,684
baseline
▲ 0.50% · 4.625%
HK$86,654
+HK$4,970/mo
Deposit HK$11.24M · loan HK$16.85M · min. income ≈ HK$163,368/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,510
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$87,803
−HK$2,327/mo
Today · 4.125%
HK$90,130
baseline
▲ 0.50% · 4.625%
HK$94,881
+HK$4,751/mo
Deposit HK$11.24M · loan HK$16.85M · min. income ≈ HK$180,260/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,193,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,674
−HK$5,624/mo
▼ 0.25% · 3.875%
HK$92,464
−HK$2,834/mo
Today · 4.125%
HK$95,298
baseline
▲ 0.50% · 4.625%
HK$101,096
+HK$5,798/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$190,596/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,762
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$102,437
−HK$2,715/mo
Today · 4.125%
HK$105,152
baseline
▲ 0.50% · 4.625%
HK$110,694
+HK$5,542/mo
Deposit HK$8.43M · loan HK$19.66M · min. income ≈ HK$210,304/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,296
−HK$7,230/mo
▼ 0.25% · 3.875%
HK$118,882
−HK$3,644/mo
Today · 4.125%
HK$122,526
baseline
▲ 0.50% · 4.625%
HK$129,981
+HK$7,455/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$245,052/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,265
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$131,705
−HK$3,490/mo
Today · 4.125%
HK$135,195
baseline
▲ 0.50% · 4.625%
HK$142,321
+HK$7,126/mo
Deposit HK$2.81M · loan HK$25.28M · min. income ≈ HK$270,390/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,839 · Scale 2, in force from 26 Feb 2026)