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$63,912
−HK$4,008/mo
▼ 0.25% · 3.875%
HK$65,900
−HK$2,020/mo
Today · 4.125%
HK$67,920
baseline
▲ 0.50% · 4.625%
HK$72,053
+HK$4,133/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,840/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,102
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,009
−HK$1,934/mo
Today · 4.125%
HK$74,943
baseline
▲ 0.50% · 4.625%
HK$78,894
+HK$3,951/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,886/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,695
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,080
−HK$2,424/mo
Today · 4.125%
HK$81,504
baseline
▲ 0.50% · 4.625%
HK$86,464
+HK$4,960/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,008/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,322
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,611
−HK$2,321/mo
Today · 4.125%
HK$89,932
baseline
▲ 0.50% · 4.625%
HK$94,672
+HK$4,740/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,864/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,477
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,261
−HK$2,827/mo
Today · 4.125%
HK$95,088
baseline
▲ 0.50% · 4.625%
HK$100,874
+HK$5,786/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,176/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,543
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,212
−HK$2,709/mo
Today · 4.125%
HK$104,921
baseline
▲ 0.50% · 4.625%
HK$110,451
+HK$5,530/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,842/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,042
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,621
−HK$3,635/mo
Today · 4.125%
HK$122,256
baseline
▲ 0.50% · 4.625%
HK$129,695
+HK$7,439/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,512/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,983
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,416
−HK$3,482/mo
Today · 4.125%
HK$134,898
baseline
▲ 0.50% · 4.625%
HK$142,009
+HK$7,111/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,796/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,215 · Scale 2, in force from 26 Feb 2026)