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$64,017
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,008
−HK$2,023/mo
Today · 4.125%
HK$68,031
baseline
▲ 0.50% · 4.625%
HK$72,171
+HK$4,140/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$136,062/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,218
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,128
−HK$1,938/mo
Today · 4.125%
HK$75,066
baseline
▲ 0.50% · 4.625%
HK$79,022
+HK$3,956/mo
Deposit HK$14.04M · loan HK$14.04M · min. income ≈ HK$150,132/mo (50% DSR)
Upfront cash ≈ HK$15.23M (deposit + AVD stamp duty HK$1,193,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,820
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$79,209
−HK$2,428/mo
Today · 4.125%
HK$81,637
baseline
▲ 0.50% · 4.625%
HK$86,605
+HK$4,968/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,274/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,461
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$87,753
−HK$2,326/mo
Today · 4.125%
HK$90,079
baseline
▲ 0.50% · 4.625%
HK$94,827
+HK$4,748/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,158/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,193,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,623
−HK$5,620/mo
▼ 0.25% · 3.875%
HK$92,411
−HK$2,832/mo
Today · 4.125%
HK$95,243
baseline
▲ 0.50% · 4.625%
HK$101,039
+HK$5,796/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$190,486/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,705
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$102,379
−HK$2,713/mo
Today · 4.125%
HK$105,092
baseline
▲ 0.50% · 4.625%
HK$110,631
+HK$5,539/mo
Deposit HK$8.42M · loan HK$19.65M · min. income ≈ HK$210,184/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,193,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,230
−HK$7,226/mo
▼ 0.25% · 3.875%
HK$118,814
−HK$3,642/mo
Today · 4.125%
HK$122,456
baseline
▲ 0.50% · 4.625%
HK$129,907
+HK$7,451/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$244,912/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,192
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$131,630
−HK$3,488/mo
Today · 4.125%
HK$135,118
baseline
▲ 0.50% · 4.625%
HK$142,240
+HK$7,122/mo
Deposit HK$2.81M · loan HK$25.27M · min. income ≈ HK$270,236/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,193,159 · Scale 2, in force from 26 Feb 2026)