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$63,941
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,930
−HK$2,020/mo
Today · 4.125%
HK$67,950
baseline
▲ 0.50% · 4.625%
HK$72,085
+HK$4,135/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,900/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,133
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$73,041
−HK$1,936/mo
Today · 4.125%
HK$74,977
baseline
▲ 0.50% · 4.625%
HK$78,929
+HK$3,952/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,954/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,729
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,116
−HK$2,425/mo
Today · 4.125%
HK$81,541
baseline
▲ 0.50% · 4.625%
HK$86,502
+HK$4,961/mo
Deposit HK$11.22M · loan HK$16.82M · min. income ≈ HK$163,082/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,360
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,649
−HK$2,323/mo
Today · 4.125%
HK$89,972
baseline
▲ 0.50% · 4.625%
HK$94,714
+HK$4,742/mo
Deposit HK$11.22M · loan HK$16.82M · min. income ≈ HK$179,944/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,517
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$92,302
−HK$2,829/mo
Today · 4.125%
HK$95,131
baseline
▲ 0.50% · 4.625%
HK$100,919
+HK$5,788/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$190,262/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,587
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,258
−HK$2,709/mo
Today · 4.125%
HK$104,967
baseline
▲ 0.50% · 4.625%
HK$110,500
+HK$5,533/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$209,934/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,093
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,673
−HK$3,638/mo
Today · 4.125%
HK$122,311
baseline
▲ 0.50% · 4.625%
HK$129,753
+HK$7,442/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$244,622/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,040
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,474
−HK$3,484/mo
Today · 4.125%
HK$134,958
baseline
▲ 0.50% · 4.625%
HK$142,072
+HK$7,114/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$269,916/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,745 · Scale 2, in force from 26 Feb 2026)