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$4,007/mo
▼ 0.25% · 3.875%
HK$65,897
−HK$2,019/mo
Today · 4.125%
HK$67,916
baseline
▲ 0.50% · 4.625%
HK$72,049
+HK$4,133/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,832/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,191,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,098
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,004
−HK$1,935/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$1,191,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,690
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,076
−HK$2,423/mo
Today · 4.125%
HK$81,499
baseline
▲ 0.50% · 4.625%
HK$86,459
+HK$4,960/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$162,998/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,317
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,605
−HK$2,322/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$1,191,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,472
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,255
−HK$2,828/mo
Today · 4.125%
HK$95,083
baseline
▲ 0.50% · 4.625%
HK$100,868
+HK$5,785/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$1,191,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,537
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,206
−HK$2,708/mo
Today · 4.125%
HK$104,914
baseline
▲ 0.50% · 4.625%
HK$110,445
+HK$5,531/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,828/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,035
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,614
−HK$3,635/mo
Today · 4.125%
HK$122,249
baseline
▲ 0.50% · 4.625%
HK$129,688
+HK$7,439/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,498/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,145 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,976
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$131,408
−HK$3,482/mo
Today · 4.125%
HK$134,890
baseline
▲ 0.50% · 4.625%
HK$142,000
+HK$7,110/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,780/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,145 · Scale 2, in force from 26 Feb 2026)