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$64,069
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,062
−HK$2,025/mo
Today · 4.125%
HK$68,087
baseline
▲ 0.50% · 4.625%
HK$72,229
+HK$4,142/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$136,174/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,276
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$73,188
−HK$1,939/mo
Today · 4.125%
HK$75,127
baseline
▲ 0.50% · 4.625%
HK$79,087
+HK$3,960/mo
Deposit HK$14.05M · loan HK$14.05M · min. income ≈ HK$150,254/mo (50% DSR)
Upfront cash ≈ HK$15.24M (deposit + AVD stamp duty HK$1,194,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,883
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$79,274
−HK$2,430/mo
Today · 4.125%
HK$81,704
baseline
▲ 0.50% · 4.625%
HK$86,675
+HK$4,971/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$163,408/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,531
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$87,825
−HK$2,327/mo
Today · 4.125%
HK$90,152
baseline
▲ 0.50% · 4.625%
HK$94,904
+HK$4,752/mo
Deposit HK$11.24M · loan HK$16.86M · min. income ≈ HK$180,304/mo (50% DSR)
Upfront cash ≈ HK$12.43M (deposit + AVD stamp duty HK$1,194,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,696
−HK$5,625/mo
▼ 0.25% · 3.875%
HK$92,487
−HK$2,834/mo
Today · 4.125%
HK$95,321
baseline
▲ 0.50% · 4.625%
HK$101,121
+HK$5,800/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$190,642/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,786
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$102,463
−HK$2,715/mo
Today · 4.125%
HK$105,178
baseline
▲ 0.50% · 4.625%
HK$110,722
+HK$5,544/mo
Deposit HK$8.43M · loan HK$19.67M · min. income ≈ HK$210,356/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$1,194,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,324
−HK$7,232/mo
▼ 0.25% · 3.875%
HK$118,911
−HK$3,645/mo
Today · 4.125%
HK$122,556
baseline
▲ 0.50% · 4.625%
HK$130,013
+HK$7,457/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$245,112/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,297
−HK$6,931/mo
▼ 0.25% · 3.875%
HK$131,738
−HK$3,490/mo
Today · 4.125%
HK$135,228
baseline
▲ 0.50% · 4.625%
HK$142,356
+HK$7,128/mo
Deposit HK$2.81M · loan HK$25.29M · min. income ≈ HK$270,456/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,194,133 · Scale 2, in force from 26 Feb 2026)