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$63,925
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,913
−HK$2,021/mo
Today · 4.125%
HK$67,934
baseline
▲ 0.50% · 4.625%
HK$72,067
+HK$4,133/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,868/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,116
−HK$3,842/mo
▼ 0.25% · 3.875%
HK$73,023
−HK$1,935/mo
Today · 4.125%
HK$74,958
baseline
▲ 0.50% · 4.625%
HK$78,909
+HK$3,951/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,916/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,710
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,096
−HK$2,424/mo
Today · 4.125%
HK$81,520
baseline
▲ 0.50% · 4.625%
HK$86,481
+HK$4,961/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,040/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,339
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$87,628
−HK$2,322/mo
Today · 4.125%
HK$89,950
baseline
▲ 0.50% · 4.625%
HK$94,691
+HK$4,741/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,900/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,495
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,279
−HK$2,828/mo
Today · 4.125%
HK$95,107
baseline
▲ 0.50% · 4.625%
HK$100,894
+HK$5,787/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,214/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,562
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,232
−HK$2,709/mo
Today · 4.125%
HK$104,941
baseline
▲ 0.50% · 4.625%
HK$110,473
+HK$5,532/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,882/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,065
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,644
−HK$3,637/mo
Today · 4.125%
HK$122,281
baseline
▲ 0.50% · 4.625%
HK$129,721
+HK$7,440/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,562/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,009
−HK$6,915/mo
▼ 0.25% · 3.875%
HK$131,442
−HK$3,482/mo
Today · 4.125%
HK$134,924
baseline
▲ 0.50% · 4.625%
HK$142,037
+HK$7,113/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,848/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,450 · Scale 2, in force from 26 Feb 2026)