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$63,975
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,965
−HK$2,022/mo
Today · 4.125%
HK$67,987
baseline
▲ 0.50% · 4.625%
HK$72,124
+HK$4,137/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$135,974/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,172
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,080
−HK$1,937/mo
Today · 4.125%
HK$75,017
baseline
▲ 0.50% · 4.625%
HK$78,971
+HK$3,954/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,034/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,770
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,158
−HK$2,426/mo
Today · 4.125%
HK$81,584
baseline
▲ 0.50% · 4.625%
HK$86,548
+HK$4,964/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,168/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,406
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,697
−HK$2,323/mo
Today · 4.125%
HK$90,020
baseline
▲ 0.50% · 4.625%
HK$94,765
+HK$4,745/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$180,040/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,565
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,351
−HK$2,831/mo
Today · 4.125%
HK$95,182
baseline
▲ 0.50% · 4.625%
HK$100,973
+HK$5,791/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$190,364/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,640
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,313
−HK$2,711/mo
Today · 4.125%
HK$105,024
baseline
▲ 0.50% · 4.625%
HK$110,559
+HK$5,535/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$210,048/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,155
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$118,737
−HK$3,639/mo
Today · 4.125%
HK$122,376
baseline
▲ 0.50% · 4.625%
HK$129,823
+HK$7,447/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$244,752/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,109
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$131,545
−HK$3,485/mo
Today · 4.125%
HK$135,030
baseline
▲ 0.50% · 4.625%
HK$142,148
+HK$7,118/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$270,060/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,384 · Scale 2, in force from 26 Feb 2026)