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$63,930
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,919
−HK$2,020/mo
Today · 4.125%
HK$67,939
baseline
▲ 0.50% · 4.625%
HK$72,073
+HK$4,134/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,878/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,122
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,029
−HK$1,935/mo
Today · 4.125%
HK$74,964
baseline
▲ 0.50% · 4.625%
HK$78,916
+HK$3,952/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,928/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,716
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,103
−HK$2,424/mo
Today · 4.125%
HK$81,527
baseline
▲ 0.50% · 4.625%
HK$86,488
+HK$4,961/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,054/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,346
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,635
−HK$2,322/mo
Today · 4.125%
HK$89,957
baseline
▲ 0.50% · 4.625%
HK$94,699
+HK$4,742/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,914/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,502
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,286
−HK$2,829/mo
Today · 4.125%
HK$95,115
baseline
▲ 0.50% · 4.625%
HK$100,903
+HK$5,788/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$190,230/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,571
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,241
−HK$2,709/mo
Today · 4.125%
HK$104,950
baseline
▲ 0.50% · 4.625%
HK$110,482
+HK$5,532/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$209,900/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,075
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,654
−HK$3,637/mo
Today · 4.125%
HK$122,291
baseline
▲ 0.50% · 4.625%
HK$129,732
+HK$7,441/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,582/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,019
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,453
−HK$3,483/mo
Today · 4.125%
HK$134,936
baseline
▲ 0.50% · 4.625%
HK$142,048
+HK$7,112/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,872/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,549 · Scale 2, in force from 26 Feb 2026)