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$63,890
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,878
−HK$2,019/mo
Today · 4.125%
HK$67,897
baseline
▲ 0.50% · 4.625%
HK$72,028
+HK$4,131/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,794/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,077
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,984
−HK$1,933/mo
Today · 4.125%
HK$74,917
baseline
▲ 0.50% · 4.625%
HK$78,866
+HK$3,949/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,834/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,668
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,053
−HK$2,423/mo
Today · 4.125%
HK$81,476
baseline
▲ 0.50% · 4.625%
HK$86,434
+HK$4,958/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,952/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,293
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,580
−HK$2,321/mo
Today · 4.125%
HK$89,901
baseline
▲ 0.50% · 4.625%
HK$94,640
+HK$4,739/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,802/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,446
−HK$5,609/mo
▼ 0.25% · 3.875%
HK$92,229
−HK$2,826/mo
Today · 4.125%
HK$95,055
baseline
▲ 0.50% · 4.625%
HK$100,839
+HK$5,784/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$190,110/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,508
−HK$5,376/mo
▼ 0.25% · 3.875%
HK$102,177
−HK$2,707/mo
Today · 4.125%
HK$104,884
baseline
▲ 0.50% · 4.625%
HK$110,413
+HK$5,529/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$209,768/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,002
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,580
−HK$3,634/mo
Today · 4.125%
HK$122,214
baseline
▲ 0.50% · 4.625%
HK$129,651
+HK$7,437/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,428/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,939
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,370
−HK$3,481/mo
Today · 4.125%
HK$134,851
baseline
▲ 0.50% · 4.625%
HK$141,959
+HK$7,108/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,702/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,803 · Scale 2, in force from 26 Feb 2026)