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$63,922
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,910
−HK$2,020/mo
Today · 4.125%
HK$67,930
baseline
▲ 0.50% · 4.625%
HK$72,064
+HK$4,134/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,860/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,112
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,020
−HK$1,934/mo
Today · 4.125%
HK$74,954
baseline
▲ 0.50% · 4.625%
HK$78,905
+HK$3,951/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,908/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,706
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,092
−HK$2,424/mo
Today · 4.125%
HK$81,516
baseline
▲ 0.50% · 4.625%
HK$86,476
+HK$4,960/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,032/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,335
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,624
−HK$2,321/mo
Today · 4.125%
HK$89,945
baseline
▲ 0.50% · 4.625%
HK$94,686
+HK$4,741/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,890/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,491
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,274
−HK$2,828/mo
Today · 4.125%
HK$95,102
baseline
▲ 0.50% · 4.625%
HK$100,889
+HK$5,787/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,204/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,557
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,227
−HK$2,709/mo
Today · 4.125%
HK$104,936
baseline
▲ 0.50% · 4.625%
HK$110,467
+HK$5,531/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,872/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,059
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,638
−HK$3,637/mo
Today · 4.125%
HK$122,275
baseline
▲ 0.50% · 4.625%
HK$129,715
+HK$7,440/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,550/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,002
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,435
−HK$3,483/mo
Today · 4.125%
HK$134,918
baseline
▲ 0.50% · 4.625%
HK$142,030
+HK$7,112/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,836/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,392 · Scale 2, in force from 26 Feb 2026)