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$63,988
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,979
−HK$2,022/mo
Today · 4.125%
HK$68,001
baseline
▲ 0.50% · 4.625%
HK$72,139
+HK$4,138/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$136,002/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,186
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,096
−HK$1,936/mo
Today · 4.125%
HK$75,032
baseline
▲ 0.50% · 4.625%
HK$78,988
+HK$3,956/mo
Deposit HK$14.03M · loan HK$14.03M · min. income ≈ HK$150,064/mo (50% DSR)
Upfront cash ≈ HK$15.22M (deposit + AVD stamp duty HK$1,192,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,786
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$79,175
−HK$2,426/mo
Today · 4.125%
HK$81,601
baseline
▲ 0.50% · 4.625%
HK$86,566
+HK$4,965/mo
Deposit HK$11.22M · loan HK$16.84M · min. income ≈ HK$163,202/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,424
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$87,715
−HK$2,324/mo
Today · 4.125%
HK$90,039
baseline
▲ 0.50% · 4.625%
HK$94,785
+HK$4,746/mo
Deposit HK$11.22M · loan HK$16.84M · min. income ≈ HK$180,078/mo (50% DSR)
Upfront cash ≈ HK$12.42M (deposit + AVD stamp duty HK$1,192,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,584
−HK$5,617/mo
▼ 0.25% · 3.875%
HK$92,370
−HK$2,831/mo
Today · 4.125%
HK$95,201
baseline
▲ 0.50% · 4.625%
HK$100,994
+HK$5,793/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$190,402/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,661
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$102,334
−HK$2,711/mo
Today · 4.125%
HK$105,045
baseline
▲ 0.50% · 4.625%
HK$110,583
+HK$5,538/mo
Deposit HK$8.42M · loan HK$19.64M · min. income ≈ HK$210,090/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$1,192,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,179
−HK$7,223/mo
▼ 0.25% · 3.875%
HK$118,762
−HK$3,640/mo
Today · 4.125%
HK$122,402
baseline
▲ 0.50% · 4.625%
HK$129,850
+HK$7,448/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$244,804/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,136
−HK$6,922/mo
▼ 0.25% · 3.875%
HK$131,572
−HK$3,486/mo
Today · 4.125%
HK$135,058
baseline
▲ 0.50% · 4.625%
HK$142,178
+HK$7,120/mo
Deposit HK$2.81M · loan HK$25.26M · min. income ≈ HK$270,116/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,192,633 · Scale 2, in force from 26 Feb 2026)