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$63,993
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,984
−HK$2,022/mo
Today · 4.125%
HK$68,006
baseline
▲ 0.50% · 4.625%
HK$72,144
+HK$4,138/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$136,012/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,192
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,101
−HK$1,937/mo
Today · 4.125%
HK$75,038
baseline
▲ 0.50% · 4.625%
HK$78,993
+HK$3,955/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,076/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,792
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,180
−HK$2,427/mo
Today · 4.125%
HK$81,607
baseline
▲ 0.50% · 4.625%
HK$86,573
+HK$4,966/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$163,214/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,430
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,721
−HK$2,324/mo
Today · 4.125%
HK$90,045
baseline
▲ 0.50% · 4.625%
HK$94,792
+HK$4,747/mo
Deposit HK$11.23M · loan HK$16.84M · min. income ≈ HK$180,090/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,590
−HK$5,618/mo
▼ 0.25% · 3.875%
HK$92,377
−HK$2,831/mo
Today · 4.125%
HK$95,208
baseline
▲ 0.50% · 4.625%
HK$101,001
+HK$5,793/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$190,416/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,668
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$102,341
−HK$2,712/mo
Today · 4.125%
HK$105,053
baseline
▲ 0.50% · 4.625%
HK$110,590
+HK$5,537/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$210,106/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,187
−HK$7,224/mo
▼ 0.25% · 3.875%
HK$118,770
−HK$3,641/mo
Today · 4.125%
HK$122,411
baseline
▲ 0.50% · 4.625%
HK$129,859
+HK$7,448/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$244,822/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,145
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$131,582
−HK$3,486/mo
Today · 4.125%
HK$135,068
baseline
▲ 0.50% · 4.625%
HK$142,188
+HK$7,120/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$270,136/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,718 · Scale 2, in force from 26 Feb 2026)