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$63,944
−HK$4,010/mo
▼ 0.25% · 3.875%
HK$65,933
−HK$2,021/mo
Today · 4.125%
HK$67,954
baseline
▲ 0.50% · 4.625%
HK$72,089
+HK$4,135/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,908/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,138
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,045
−HK$1,936/mo
Today · 4.125%
HK$74,981
baseline
▲ 0.50% · 4.625%
HK$78,933
+HK$3,952/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,962/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,733
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$79,120
−HK$2,425/mo
Today · 4.125%
HK$81,545
baseline
▲ 0.50% · 4.625%
HK$86,507
+HK$4,962/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,090/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,365
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$87,654
−HK$2,323/mo
Today · 4.125%
HK$89,977
baseline
▲ 0.50% · 4.625%
HK$94,720
+HK$4,743/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$179,954/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,522
−HK$5,614/mo
▼ 0.25% · 3.875%
HK$92,307
−HK$2,829/mo
Today · 4.125%
HK$95,136
baseline
▲ 0.50% · 4.625%
HK$100,925
+HK$5,789/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$190,272/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,593
−HK$5,380/mo
▼ 0.25% · 3.875%
HK$102,264
−HK$2,709/mo
Today · 4.125%
HK$104,973
baseline
▲ 0.50% · 4.625%
HK$110,506
+HK$5,533/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$209,946/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,100
−HK$7,218/mo
▼ 0.25% · 3.875%
HK$118,680
−HK$3,638/mo
Today · 4.125%
HK$122,318
baseline
▲ 0.50% · 4.625%
HK$129,760
+HK$7,442/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$244,636/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,048
−HK$6,918/mo
▼ 0.25% · 3.875%
HK$131,482
−HK$3,484/mo
Today · 4.125%
HK$134,966
baseline
▲ 0.50% · 4.625%
HK$142,080
+HK$7,114/mo
Deposit HK$2.80M · loan HK$25.24M · min. income ≈ HK$269,932/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,813 · Scale 2, in force from 26 Feb 2026)