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$63,885
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,872
−HK$2,019/mo
Today · 4.125%
HK$67,891
baseline
▲ 0.50% · 4.625%
HK$72,022
+HK$4,131/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,782/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,071
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,977
−HK$1,934/mo
Today · 4.125%
HK$74,911
baseline
▲ 0.50% · 4.625%
HK$78,859
+HK$3,948/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,822/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,662
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,046
−HK$2,423/mo
Today · 4.125%
HK$81,469
baseline
▲ 0.50% · 4.625%
HK$86,426
+HK$4,957/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,938/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,285
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,573
−HK$2,320/mo
Today · 4.125%
HK$89,893
baseline
▲ 0.50% · 4.625%
HK$94,631
+HK$4,738/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,786/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,438
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,221
−HK$2,826/mo
Today · 4.125%
HK$95,047
baseline
▲ 0.50% · 4.625%
HK$100,830
+HK$5,783/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$190,094/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,499
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,168
−HK$2,707/mo
Today · 4.125%
HK$104,875
baseline
▲ 0.50% · 4.625%
HK$110,403
+HK$5,528/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$209,750/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,992
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,569
−HK$3,634/mo
Today · 4.125%
HK$122,203
baseline
▲ 0.50% · 4.625%
HK$129,639
+HK$7,436/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$244,406/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,928
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,359
−HK$3,480/mo
Today · 4.125%
HK$134,839
baseline
▲ 0.50% · 4.625%
HK$141,947
+HK$7,108/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$269,678/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,699 · Scale 2, in force from 26 Feb 2026)