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$63,906
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,893
−HK$2,020/mo
Today · 4.125%
HK$67,913
baseline
▲ 0.50% · 4.625%
HK$72,045
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,826/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,191,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,094
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,001
−HK$1,934/mo
Today · 4.125%
HK$74,935
baseline
▲ 0.50% · 4.625%
HK$78,885
+HK$3,950/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,870/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,191,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,687
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,072
−HK$2,424/mo
Today · 4.125%
HK$81,496
baseline
▲ 0.50% · 4.625%
HK$86,454
+HK$4,958/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$162,992/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,313
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,601
−HK$2,321/mo
Today · 4.125%
HK$89,922
baseline
▲ 0.50% · 4.625%
HK$94,662
+HK$4,740/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,844/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,468
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,251
−HK$2,827/mo
Today · 4.125%
HK$95,078
baseline
▲ 0.50% · 4.625%
HK$100,863
+HK$5,785/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,156/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,532
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,201
−HK$2,708/mo
Today · 4.125%
HK$104,909
baseline
▲ 0.50% · 4.625%
HK$110,439
+HK$5,530/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,818/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,030
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$118,608
−HK$3,635/mo
Today · 4.125%
HK$122,243
baseline
▲ 0.50% · 4.625%
HK$129,682
+HK$7,439/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,486/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,970
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$131,402
−HK$3,482/mo
Today · 4.125%
HK$134,884
baseline
▲ 0.50% · 4.625%
HK$141,993
+HK$7,109/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,768/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,089 · Scale 2, in force from 26 Feb 2026)