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$63,896
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,884
−HK$2,019/mo
Today · 4.125%
HK$67,903
baseline
▲ 0.50% · 4.625%
HK$72,035
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,806/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,084
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,990
−HK$1,934/mo
Today · 4.125%
HK$74,924
baseline
▲ 0.50% · 4.625%
HK$78,873
+HK$3,949/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,848/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,675
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,060
−HK$2,423/mo
Today · 4.125%
HK$81,483
baseline
▲ 0.50% · 4.625%
HK$86,442
+HK$4,959/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,966/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,300
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,588
−HK$2,321/mo
Today · 4.125%
HK$89,909
baseline
▲ 0.50% · 4.625%
HK$94,648
+HK$4,739/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,818/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,454
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,237
−HK$2,827/mo
Today · 4.125%
HK$95,064
baseline
▲ 0.50% · 4.625%
HK$100,848
+HK$5,784/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$190,128/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,517
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,186
−HK$2,708/mo
Today · 4.125%
HK$104,894
baseline
▲ 0.50% · 4.625%
HK$110,423
+HK$5,529/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$209,788/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,013
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,590
−HK$3,635/mo
Today · 4.125%
HK$122,225
baseline
▲ 0.50% · 4.625%
HK$129,662
+HK$7,437/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,450/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,951
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,382
−HK$3,481/mo
Today · 4.125%
HK$134,863
baseline
▲ 0.50% · 4.625%
HK$141,972
+HK$7,109/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,726/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,911 · Scale 2, in force from 26 Feb 2026)