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$63,967
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,957
−HK$2,021/mo
Today · 4.125%
HK$67,978
baseline
▲ 0.50% · 4.625%
HK$72,114
+HK$4,136/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$135,956/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,163
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,071
−HK$1,936/mo
Today · 4.125%
HK$75,007
baseline
▲ 0.50% · 4.625%
HK$78,961
+HK$3,954/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,014/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,760
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,148
−HK$2,426/mo
Today · 4.125%
HK$81,574
baseline
▲ 0.50% · 4.625%
HK$86,537
+HK$4,963/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,148/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,395
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,685
−HK$2,324/mo
Today · 4.125%
HK$90,009
baseline
▲ 0.50% · 4.625%
HK$94,753
+HK$4,744/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$180,018/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,554
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,339
−HK$2,830/mo
Today · 4.125%
HK$95,169
baseline
▲ 0.50% · 4.625%
HK$100,960
+HK$5,791/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$190,338/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,628
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$102,299
−HK$2,711/mo
Today · 4.125%
HK$105,010
baseline
▲ 0.50% · 4.625%
HK$110,545
+HK$5,535/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$210,020/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,140
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$118,722
−HK$3,639/mo
Today · 4.125%
HK$122,361
baseline
▲ 0.50% · 4.625%
HK$129,806
+HK$7,445/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$244,722/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,093
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$131,528
−HK$3,485/mo
Today · 4.125%
HK$135,013
baseline
▲ 0.50% · 4.625%
HK$142,130
+HK$7,117/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$270,026/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,231 · Scale 2, in force from 26 Feb 2026)