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$63,886
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,873
−HK$2,019/mo
Today · 4.125%
HK$67,892
baseline
▲ 0.50% · 4.625%
HK$72,023
+HK$4,131/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,784/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,072
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,978
−HK$1,934/mo
Today · 4.125%
HK$74,912
baseline
▲ 0.50% · 4.625%
HK$78,861
+HK$3,949/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,824/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,663
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,048
−HK$2,422/mo
Today · 4.125%
HK$81,470
baseline
▲ 0.50% · 4.625%
HK$86,428
+HK$4,958/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,940/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,287
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,574
−HK$2,321/mo
Today · 4.125%
HK$89,895
baseline
▲ 0.50% · 4.625%
HK$94,633
+HK$4,738/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,790/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,440
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,222
−HK$2,827/mo
Today · 4.125%
HK$95,049
baseline
▲ 0.50% · 4.625%
HK$100,832
+HK$5,783/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$190,098/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,501
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,170
−HK$2,707/mo
Today · 4.125%
HK$104,877
baseline
▲ 0.50% · 4.625%
HK$110,405
+HK$5,528/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$209,754/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,995
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,571
−HK$3,635/mo
Today · 4.125%
HK$122,206
baseline
▲ 0.50% · 4.625%
HK$129,642
+HK$7,436/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,412/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,930
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,361
−HK$3,481/mo
Today · 4.125%
HK$134,842
baseline
▲ 0.50% · 4.625%
HK$141,950
+HK$7,108/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,684/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,721 · Scale 2, in force from 26 Feb 2026)