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$63,899
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,886
−HK$2,020/mo
Today · 4.125%
HK$67,906
baseline
▲ 0.50% · 4.625%
HK$72,038
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,812/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,087
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,993
−HK$1,934/mo
Today · 4.125%
HK$74,927
baseline
▲ 0.50% · 4.625%
HK$78,877
+HK$3,950/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,854/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,678
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,064
−HK$2,423/mo
Today · 4.125%
HK$81,487
baseline
▲ 0.50% · 4.625%
HK$86,445
+HK$4,958/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,974/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,304
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,592
−HK$2,321/mo
Today · 4.125%
HK$89,913
baseline
▲ 0.50% · 4.625%
HK$94,652
+HK$4,739/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,826/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,458
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,241
−HK$2,827/mo
Today · 4.125%
HK$95,068
baseline
▲ 0.50% · 4.625%
HK$100,853
+HK$5,785/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,136/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,521
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,190
−HK$2,708/mo
Today · 4.125%
HK$104,898
baseline
▲ 0.50% · 4.625%
HK$110,427
+HK$5,529/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,796/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,018
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,595
−HK$3,635/mo
Today · 4.125%
HK$122,230
baseline
▲ 0.50% · 4.625%
HK$129,668
+HK$7,438/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,460/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,956
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,388
−HK$3,481/mo
Today · 4.125%
HK$134,869
baseline
▲ 0.50% · 4.625%
HK$141,978
+HK$7,109/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,738/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,961 · Scale 2, in force from 26 Feb 2026)