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$63,883
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,870
−HK$2,019/mo
Today · 4.125%
HK$67,889
baseline
▲ 0.50% · 4.625%
HK$72,020
+HK$4,131/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,778/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,069
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,975
−HK$1,934/mo
Today · 4.125%
HK$74,909
baseline
▲ 0.50% · 4.625%
HK$78,857
+HK$3,948/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,818/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,660
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,044
−HK$2,423/mo
Today · 4.125%
HK$81,467
baseline
▲ 0.50% · 4.625%
HK$86,424
+HK$4,957/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,934/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,283
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,570
−HK$2,321/mo
Today · 4.125%
HK$89,891
baseline
▲ 0.50% · 4.625%
HK$94,629
+HK$4,738/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,782/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,436
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,218
−HK$2,827/mo
Today · 4.125%
HK$95,045
baseline
▲ 0.50% · 4.625%
HK$100,828
+HK$5,783/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$190,090/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,497
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,165
−HK$2,707/mo
Today · 4.125%
HK$104,872
baseline
▲ 0.50% · 4.625%
HK$110,400
+HK$5,528/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$209,744/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,989
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,566
−HK$3,634/mo
Today · 4.125%
HK$122,200
baseline
▲ 0.50% · 4.625%
HK$129,636
+HK$7,436/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$244,400/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,925
−HK$6,911/mo
▼ 0.25% · 3.875%
HK$131,355
−HK$3,481/mo
Today · 4.125%
HK$134,836
baseline
▲ 0.50% · 4.625%
HK$141,943
+HK$7,107/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$269,672/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,668 · Scale 2, in force from 26 Feb 2026)