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$63,909
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,897
−HK$2,020/mo
Today · 4.125%
HK$67,917
baseline
▲ 0.50% · 4.625%
HK$72,049
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,834/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,191,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,098
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,005
−HK$1,934/mo
Today · 4.125%
HK$74,939
baseline
▲ 0.50% · 4.625%
HK$78,889
+HK$3,950/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,878/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,191,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,691
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,076
−HK$2,424/mo
Today · 4.125%
HK$81,500
baseline
▲ 0.50% · 4.625%
HK$86,459
+HK$4,959/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,000/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,318
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,606
−HK$2,321/mo
Today · 4.125%
HK$89,927
baseline
▲ 0.50% · 4.625%
HK$94,667
+HK$4,740/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,854/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,473
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,256
−HK$2,827/mo
Today · 4.125%
HK$95,083
baseline
▲ 0.50% · 4.625%
HK$100,869
+HK$5,786/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,166/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,537
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,207
−HK$2,708/mo
Today · 4.125%
HK$104,915
baseline
▲ 0.50% · 4.625%
HK$110,445
+HK$5,530/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,830/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,036
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,614
−HK$3,636/mo
Today · 4.125%
HK$122,250
baseline
▲ 0.50% · 4.625%
HK$129,689
+HK$7,439/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,500/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,977
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$131,409
−HK$3,482/mo
Today · 4.125%
HK$134,891
baseline
▲ 0.50% · 4.625%
HK$142,001
+HK$7,110/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,782/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,153 · Scale 2, in force from 26 Feb 2026)