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$63,982
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,972
−HK$2,022/mo
Today · 4.125%
HK$67,994
baseline
▲ 0.50% · 4.625%
HK$72,131
+HK$4,137/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$135,988/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,179
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,088
−HK$1,936/mo
Today · 4.125%
HK$75,024
baseline
▲ 0.50% · 4.625%
HK$78,979
+HK$3,955/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,048/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,778
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$79,166
−HK$2,426/mo
Today · 4.125%
HK$81,592
baseline
▲ 0.50% · 4.625%
HK$86,557
+HK$4,965/mo
Deposit HK$11.22M · loan HK$16.84M · min. income ≈ HK$163,184/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,415
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$87,705
−HK$2,324/mo
Today · 4.125%
HK$90,029
baseline
▲ 0.50% · 4.625%
HK$94,775
+HK$4,746/mo
Deposit HK$11.22M · loan HK$16.84M · min. income ≈ HK$180,058/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,574
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,360
−HK$2,831/mo
Today · 4.125%
HK$95,191
baseline
▲ 0.50% · 4.625%
HK$100,983
+HK$5,792/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$190,382/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,650
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,323
−HK$2,711/mo
Today · 4.125%
HK$105,034
baseline
▲ 0.50% · 4.625%
HK$110,571
+HK$5,537/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$210,068/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,167
−HK$7,222/mo
▼ 0.25% · 3.875%
HK$118,749
−HK$3,640/mo
Today · 4.125%
HK$122,389
baseline
▲ 0.50% · 4.625%
HK$129,836
+HK$7,447/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$244,778/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,122
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,558
−HK$3,486/mo
Today · 4.125%
HK$135,044
baseline
▲ 0.50% · 4.625%
HK$142,162
+HK$7,118/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$270,088/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,505 · Scale 2, in force from 26 Feb 2026)