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$63,893
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,881
−HK$2,019/mo
Today · 4.125%
HK$67,900
baseline
▲ 0.50% · 4.625%
HK$72,032
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,800/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,081
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,987
−HK$1,934/mo
Today · 4.125%
HK$74,921
baseline
▲ 0.50% · 4.625%
HK$78,870
+HK$3,949/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,842/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,672
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,057
−HK$2,423/mo
Today · 4.125%
HK$81,480
baseline
▲ 0.50% · 4.625%
HK$86,438
+HK$4,958/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,960/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,297
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,584
−HK$2,321/mo
Today · 4.125%
HK$89,905
baseline
▲ 0.50% · 4.625%
HK$94,644
+HK$4,739/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,810/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,451
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,233
−HK$2,827/mo
Today · 4.125%
HK$95,060
baseline
▲ 0.50% · 4.625%
HK$100,844
+HK$5,784/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$190,120/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,513
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,182
−HK$2,707/mo
Today · 4.125%
HK$104,889
baseline
▲ 0.50% · 4.625%
HK$110,418
+HK$5,529/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$209,778/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,008
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,585
−HK$3,635/mo
Today · 4.125%
HK$122,220
baseline
▲ 0.50% · 4.625%
HK$129,657
+HK$7,437/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,440/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,945
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,377
−HK$3,481/mo
Today · 4.125%
HK$134,858
baseline
▲ 0.50% · 4.625%
HK$141,966
+HK$7,108/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,716/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,860 · Scale 2, in force from 26 Feb 2026)