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$63,810
−HK$4,001/mo
▼ 0.25% · 3.875%
HK$65,795
−HK$2,016/mo
Today · 4.125%
HK$67,811
baseline
▲ 0.50% · 4.625%
HK$71,937
+HK$4,126/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,622/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,988
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,892
−HK$1,931/mo
Today · 4.125%
HK$74,823
baseline
▲ 0.50% · 4.625%
HK$78,767
+HK$3,944/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,646/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,572
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,954
−HK$2,419/mo
Today · 4.125%
HK$81,373
baseline
▲ 0.50% · 4.625%
HK$86,325
+HK$4,952/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$162,746/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,185
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,470
−HK$2,318/mo
Today · 4.125%
HK$89,788
baseline
▲ 0.50% · 4.625%
HK$94,520
+HK$4,732/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$179,576/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,334
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,113
−HK$2,823/mo
Today · 4.125%
HK$94,936
baseline
▲ 0.50% · 4.625%
HK$100,712
+HK$5,776/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$189,872/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,383
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,048
−HK$2,704/mo
Today · 4.125%
HK$104,752
baseline
▲ 0.50% · 4.625%
HK$110,274
+HK$5,522/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$209,504/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,858
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$118,430
−HK$3,630/mo
Today · 4.125%
HK$122,060
baseline
▲ 0.50% · 4.625%
HK$129,487
+HK$7,427/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$244,120/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,778
−HK$6,903/mo
▼ 0.25% · 3.875%
HK$131,205
−HK$3,476/mo
Today · 4.125%
HK$134,681
baseline
▲ 0.50% · 4.625%
HK$141,781
+HK$7,100/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$269,362/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,304 · Scale 2, in force from 26 Feb 2026)