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$63,967
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,957
−HK$2,022/mo
Today · 4.125%
HK$67,979
baseline
▲ 0.50% · 4.625%
HK$72,115
+HK$4,136/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$135,958/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,163
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$73,071
−HK$1,937/mo
Today · 4.125%
HK$75,008
baseline
▲ 0.50% · 4.625%
HK$78,961
+HK$3,953/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,016/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,761
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,148
−HK$2,426/mo
Today · 4.125%
HK$81,574
baseline
▲ 0.50% · 4.625%
HK$86,538
+HK$4,964/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$163,148/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,396
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,686
−HK$2,323/mo
Today · 4.125%
HK$90,009
baseline
▲ 0.50% · 4.625%
HK$94,754
+HK$4,745/mo
Deposit HK$11.22M · loan HK$16.83M · min. income ≈ HK$180,018/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,192,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,554
−HK$5,616/mo
▼ 0.25% · 3.875%
HK$92,340
−HK$2,830/mo
Today · 4.125%
HK$95,170
baseline
▲ 0.50% · 4.625%
HK$100,961
+HK$5,791/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$190,340/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,628
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$102,300
−HK$2,711/mo
Today · 4.125%
HK$105,011
baseline
▲ 0.50% · 4.625%
HK$110,546
+HK$5,535/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$210,022/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,141
−HK$7,220/mo
▼ 0.25% · 3.875%
HK$118,723
−HK$3,638/mo
Today · 4.125%
HK$122,361
baseline
▲ 0.50% · 4.625%
HK$129,807
+HK$7,446/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$244,722/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,093
−HK$6,921/mo
▼ 0.25% · 3.875%
HK$131,529
−HK$3,485/mo
Today · 4.125%
HK$135,014
baseline
▲ 0.50% · 4.625%
HK$142,131
+HK$7,117/mo
Deposit HK$2.81M · loan HK$25.25M · min. income ≈ HK$270,028/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,238 · Scale 2, in force from 26 Feb 2026)