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$63,970
−HK$4,011/mo
▼ 0.25% · 3.875%
HK$65,960
−HK$2,021/mo
Today · 4.125%
HK$67,981
baseline
▲ 0.50% · 4.625%
HK$72,118
+HK$4,137/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$135,962/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,166
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,074
−HK$1,937/mo
Today · 4.125%
HK$75,011
baseline
▲ 0.50% · 4.625%
HK$78,964
+HK$3,953/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,022/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,764
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,151
−HK$2,426/mo
Today · 4.125%
HK$81,577
baseline
▲ 0.50% · 4.625%
HK$86,541
+HK$4,964/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,154/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,399
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,689
−HK$2,324/mo
Today · 4.125%
HK$90,013
baseline
▲ 0.50% · 4.625%
HK$94,757
+HK$4,744/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$180,026/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,558
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,343
−HK$2,831/mo
Today · 4.125%
HK$95,174
baseline
▲ 0.50% · 4.625%
HK$100,965
+HK$5,791/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$190,348/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,632
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,304
−HK$2,711/mo
Today · 4.125%
HK$105,015
baseline
▲ 0.50% · 4.625%
HK$110,550
+HK$5,535/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$210,030/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,145
−HK$7,221/mo
▼ 0.25% · 3.875%
HK$118,727
−HK$3,639/mo
Today · 4.125%
HK$122,366
baseline
▲ 0.50% · 4.625%
HK$129,812
+HK$7,446/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$244,732/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,098
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$131,534
−HK$3,485/mo
Today · 4.125%
HK$135,019
baseline
▲ 0.50% · 4.625%
HK$142,136
+HK$7,117/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$270,038/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,284 · Scale 2, in force from 26 Feb 2026)