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$63,874
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,861
−HK$2,019/mo
Today · 4.125%
HK$67,880
baseline
▲ 0.50% · 4.625%
HK$72,010
+HK$4,130/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,760/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,059
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,965
−HK$1,934/mo
Today · 4.125%
HK$74,899
baseline
▲ 0.50% · 4.625%
HK$78,847
+HK$3,948/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,798/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,649
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$79,033
−HK$2,423/mo
Today · 4.125%
HK$81,456
baseline
▲ 0.50% · 4.625%
HK$86,412
+HK$4,956/mo
Deposit HK$11.20M · loan HK$16.81M · min. income ≈ HK$162,912/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,271
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$87,558
−HK$2,320/mo
Today · 4.125%
HK$89,878
baseline
▲ 0.50% · 4.625%
HK$94,616
+HK$4,738/mo
Deposit HK$11.20M · loan HK$16.81M · min. income ≈ HK$179,756/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,424
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,206
−HK$2,826/mo
Today · 4.125%
HK$95,032
baseline
▲ 0.50% · 4.625%
HK$100,814
+HK$5,782/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$190,064/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,483
−HK$5,375/mo
▼ 0.25% · 3.875%
HK$102,151
−HK$2,707/mo
Today · 4.125%
HK$104,858
baseline
▲ 0.50% · 4.625%
HK$110,385
+HK$5,527/mo
Deposit HK$8.40M · loan HK$19.61M · min. income ≈ HK$209,716/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,190,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,974
−HK$7,210/mo
▼ 0.25% · 3.875%
HK$118,550
−HK$3,634/mo
Today · 4.125%
HK$122,184
baseline
▲ 0.50% · 4.625%
HK$129,618
+HK$7,434/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$244,368/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,907
−HK$6,910/mo
▼ 0.25% · 3.875%
HK$131,337
−HK$3,480/mo
Today · 4.125%
HK$134,817
baseline
▲ 0.50% · 4.625%
HK$141,924
+HK$7,107/mo
Deposit HK$2.80M · loan HK$25.21M · min. income ≈ HK$269,634/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,505 · Scale 2, in force from 26 Feb 2026)