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$63,913
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,901
−HK$2,020/mo
Today · 4.125%
HK$67,921
baseline
▲ 0.50% · 4.625%
HK$72,053
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,842/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,102
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,009
−HK$1,935/mo
Today · 4.125%
HK$74,944
baseline
▲ 0.50% · 4.625%
HK$78,894
+HK$3,950/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,888/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,695
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,081
−HK$2,424/mo
Today · 4.125%
HK$81,505
baseline
▲ 0.50% · 4.625%
HK$86,464
+HK$4,959/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,010/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,323
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,611
−HK$2,322/mo
Today · 4.125%
HK$89,933
baseline
▲ 0.50% · 4.625%
HK$94,673
+HK$4,740/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,866/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,478
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,261
−HK$2,828/mo
Today · 4.125%
HK$95,089
baseline
▲ 0.50% · 4.625%
HK$100,875
+HK$5,786/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,178/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,543
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,213
−HK$2,708/mo
Today · 4.125%
HK$104,921
baseline
▲ 0.50% · 4.625%
HK$110,452
+HK$5,531/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,842/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,043
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,621
−HK$3,636/mo
Today · 4.125%
HK$122,257
baseline
▲ 0.50% · 4.625%
HK$129,696
+HK$7,439/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,514/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,984
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,417
−HK$3,482/mo
Today · 4.125%
HK$134,899
baseline
▲ 0.50% · 4.625%
HK$142,009
+HK$7,110/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,798/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,223 · Scale 2, in force from 26 Feb 2026)