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$63,936
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,924
−HK$2,021/mo
Today · 4.125%
HK$67,945
baseline
▲ 0.50% · 4.625%
HK$72,079
+HK$4,134/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,890/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,128
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,035
−HK$1,935/mo
Today · 4.125%
HK$74,970
baseline
▲ 0.50% · 4.625%
HK$78,922
+HK$3,952/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,940/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,723
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,109
−HK$2,425/mo
Today · 4.125%
HK$81,534
baseline
▲ 0.50% · 4.625%
HK$86,495
+HK$4,961/mo
Deposit HK$11.22M · loan HK$16.82M · min. income ≈ HK$163,068/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,353
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,642
−HK$2,323/mo
Today · 4.125%
HK$89,965
baseline
▲ 0.50% · 4.625%
HK$94,707
+HK$4,742/mo
Deposit HK$11.22M · loan HK$16.82M · min. income ≈ HK$179,930/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,510
−HK$5,613/mo
▼ 0.25% · 3.875%
HK$92,294
−HK$2,829/mo
Today · 4.125%
HK$95,123
baseline
▲ 0.50% · 4.625%
HK$100,911
+HK$5,788/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$190,246/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,579
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,249
−HK$2,710/mo
Today · 4.125%
HK$104,959
baseline
▲ 0.50% · 4.625%
HK$110,491
+HK$5,532/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$209,918/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,084
−HK$7,217/mo
▼ 0.25% · 3.875%
HK$118,664
−HK$3,637/mo
Today · 4.125%
HK$122,301
baseline
▲ 0.50% · 4.625%
HK$129,742
+HK$7,441/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,602/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,030
−HK$6,917/mo
▼ 0.25% · 3.875%
HK$131,463
−HK$3,484/mo
Today · 4.125%
HK$134,947
baseline
▲ 0.50% · 4.625%
HK$142,060
+HK$7,113/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,894/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,647 · Scale 2, in force from 26 Feb 2026)