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$63,921
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,909
−HK$2,020/mo
Today · 4.125%
HK$67,929
baseline
▲ 0.50% · 4.625%
HK$72,062
+HK$4,133/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,858/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,111
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,018
−HK$1,935/mo
Today · 4.125%
HK$74,953
baseline
▲ 0.50% · 4.625%
HK$78,904
+HK$3,951/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,906/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,705
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,091
−HK$2,424/mo
Today · 4.125%
HK$81,515
baseline
▲ 0.50% · 4.625%
HK$86,475
+HK$4,960/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,030/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,333
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,622
−HK$2,322/mo
Today · 4.125%
HK$89,944
baseline
▲ 0.50% · 4.625%
HK$94,685
+HK$4,741/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,888/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,489
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,272
−HK$2,829/mo
Today · 4.125%
HK$95,101
baseline
▲ 0.50% · 4.625%
HK$100,887
+HK$5,786/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,202/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,555
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,225
−HK$2,709/mo
Today · 4.125%
HK$104,934
baseline
▲ 0.50% · 4.625%
HK$110,465
+HK$5,531/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,868/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,057
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$118,636
−HK$3,636/mo
Today · 4.125%
HK$122,272
baseline
▲ 0.50% · 4.625%
HK$129,712
+HK$7,440/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,544/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,000
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,433
−HK$3,482/mo
Today · 4.125%
HK$134,915
baseline
▲ 0.50% · 4.625%
HK$142,027
+HK$7,112/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,830/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,369 · Scale 2, in force from 26 Feb 2026)