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$63,898
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,885
−HK$2,020/mo
Today · 4.125%
HK$67,905
baseline
▲ 0.50% · 4.625%
HK$72,037
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,810/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,086
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,992
−HK$1,934/mo
Today · 4.125%
HK$74,926
baseline
▲ 0.50% · 4.625%
HK$78,876
+HK$3,950/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,852/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,677
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,062
−HK$2,424/mo
Today · 4.125%
HK$81,486
baseline
▲ 0.50% · 4.625%
HK$86,444
+HK$4,958/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,972/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,303
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,590
−HK$2,321/mo
Today · 4.125%
HK$89,911
baseline
▲ 0.50% · 4.625%
HK$94,651
+HK$4,740/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,822/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,457
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,239
−HK$2,828/mo
Today · 4.125%
HK$95,067
baseline
▲ 0.50% · 4.625%
HK$100,851
+HK$5,784/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,134/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,520
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,189
−HK$2,708/mo
Today · 4.125%
HK$104,897
baseline
▲ 0.50% · 4.625%
HK$110,426
+HK$5,529/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,794/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,016
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,594
−HK$3,634/mo
Today · 4.125%
HK$122,228
baseline
▲ 0.50% · 4.625%
HK$129,666
+HK$7,438/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,456/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,954
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,386
−HK$3,481/mo
Today · 4.125%
HK$134,867
baseline
▲ 0.50% · 4.625%
HK$141,976
+HK$7,109/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,734/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,943 · Scale 2, in force from 26 Feb 2026)