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$63,915
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,903
−HK$2,020/mo
Today · 4.125%
HK$67,923
baseline
▲ 0.50% · 4.625%
HK$72,055
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,846/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,104
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,011
−HK$1,935/mo
Today · 4.125%
HK$74,946
baseline
▲ 0.50% · 4.625%
HK$78,896
+HK$3,950/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,892/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,697
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,083
−HK$2,424/mo
Today · 4.125%
HK$81,507
baseline
▲ 0.50% · 4.625%
HK$86,467
+HK$4,960/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,014/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,325
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,613
−HK$2,322/mo
Today · 4.125%
HK$89,935
baseline
▲ 0.50% · 4.625%
HK$94,676
+HK$4,741/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,870/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,480
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,264
−HK$2,828/mo
Today · 4.125%
HK$95,092
baseline
▲ 0.50% · 4.625%
HK$100,878
+HK$5,786/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,184/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,546
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,216
−HK$2,708/mo
Today · 4.125%
HK$104,924
baseline
▲ 0.50% · 4.625%
HK$110,455
+HK$5,531/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,848/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,046
−HK$7,215/mo
▼ 0.25% · 3.875%
HK$118,625
−HK$3,636/mo
Today · 4.125%
HK$122,261
baseline
▲ 0.50% · 4.625%
HK$129,700
+HK$7,439/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,522/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,988
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$131,420
−HK$3,482/mo
Today · 4.125%
HK$134,902
baseline
▲ 0.50% · 4.625%
HK$142,013
+HK$7,111/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,804/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,256 · Scale 2, in force from 26 Feb 2026)