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$63,886
−HK$4,006/mo
▼ 0.25% · 3.875%
HK$65,873
−HK$2,019/mo
Today · 4.125%
HK$67,892
baseline
▲ 0.50% · 4.625%
HK$72,024
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,784/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,073
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,979
−HK$1,934/mo
Today · 4.125%
HK$74,913
baseline
▲ 0.50% · 4.625%
HK$78,861
+HK$3,948/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,826/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,663
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,048
−HK$2,423/mo
Today · 4.125%
HK$81,471
baseline
▲ 0.50% · 4.625%
HK$86,428
+HK$4,957/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,942/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,287
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,575
−HK$2,320/mo
Today · 4.125%
HK$89,895
baseline
▲ 0.50% · 4.625%
HK$94,634
+HK$4,739/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,790/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,441
−HK$5,608/mo
▼ 0.25% · 3.875%
HK$92,223
−HK$2,826/mo
Today · 4.125%
HK$95,049
baseline
▲ 0.50% · 4.625%
HK$100,833
+HK$5,784/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$190,098/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,502
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,170
−HK$2,708/mo
Today · 4.125%
HK$104,878
baseline
▲ 0.50% · 4.625%
HK$110,406
+HK$5,528/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$209,756/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,995
−HK$7,211/mo
▼ 0.25% · 3.875%
HK$118,572
−HK$3,634/mo
Today · 4.125%
HK$122,206
baseline
▲ 0.50% · 4.625%
HK$129,642
+HK$7,436/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,412/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,931
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,362
−HK$3,481/mo
Today · 4.125%
HK$134,843
baseline
▲ 0.50% · 4.625%
HK$141,950
+HK$7,107/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,686/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,728 · Scale 2, in force from 26 Feb 2026)