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$63,951
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,940
−HK$2,021/mo
Today · 4.125%
HK$67,961
baseline
▲ 0.50% · 4.625%
HK$72,097
+HK$4,136/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,922/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,145
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,053
−HK$1,936/mo
Today · 4.125%
HK$74,989
baseline
▲ 0.50% · 4.625%
HK$78,941
+HK$3,952/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,978/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,741
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,128
−HK$2,425/mo
Today · 4.125%
HK$81,553
baseline
▲ 0.50% · 4.625%
HK$86,516
+HK$4,963/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,106/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,374
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,663
−HK$2,323/mo
Today · 4.125%
HK$89,986
baseline
▲ 0.50% · 4.625%
HK$94,730
+HK$4,744/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$179,972/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,531
−HK$5,615/mo
▼ 0.25% · 3.875%
HK$92,316
−HK$2,830/mo
Today · 4.125%
HK$95,146
baseline
▲ 0.50% · 4.625%
HK$100,935
+HK$5,789/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$190,292/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,191,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,603
−HK$5,381/mo
▼ 0.25% · 3.875%
HK$102,274
−HK$2,710/mo
Today · 4.125%
HK$104,984
baseline
▲ 0.50% · 4.625%
HK$110,518
+HK$5,534/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$209,968/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,191,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,112
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,692
−HK$3,638/mo
Today · 4.125%
HK$122,330
baseline
▲ 0.50% · 4.625%
HK$129,774
+HK$7,444/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$244,660/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,061
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,495
−HK$3,484/mo
Today · 4.125%
HK$134,979
baseline
▲ 0.50% · 4.625%
HK$142,094
+HK$7,115/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$269,958/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,935 · Scale 2, in force from 26 Feb 2026)