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$63,971
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,961
−HK$2,022/mo
Today · 4.125%
HK$67,983
baseline
▲ 0.50% · 4.625%
HK$72,119
+HK$4,136/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$135,966/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,167
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,076
−HK$1,936/mo
Today · 4.125%
HK$75,012
baseline
▲ 0.50% · 4.625%
HK$78,966
+HK$3,954/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,024/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,765
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,153
−HK$2,426/mo
Today · 4.125%
HK$81,579
baseline
▲ 0.50% · 4.625%
HK$86,543
+HK$4,964/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,158/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,401
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,691
−HK$2,324/mo
Today · 4.125%
HK$90,015
baseline
▲ 0.50% · 4.625%
HK$94,760
+HK$4,745/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$180,030/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,560
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,346
−HK$2,830/mo
Today · 4.125%
HK$95,176
baseline
▲ 0.50% · 4.625%
HK$100,967
+HK$5,791/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$190,352/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,634
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,306
−HK$2,711/mo
Today · 4.125%
HK$105,017
baseline
▲ 0.50% · 4.625%
HK$110,553
+HK$5,536/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$210,034/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,148
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$118,730
−HK$3,639/mo
Today · 4.125%
HK$122,369
baseline
▲ 0.50% · 4.625%
HK$129,815
+HK$7,446/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$244,738/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,101
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$131,537
−HK$3,485/mo
Today · 4.125%
HK$135,022
baseline
▲ 0.50% · 4.625%
HK$142,139
+HK$7,117/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$270,044/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,313 · Scale 2, in force from 26 Feb 2026)