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$63,912
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,900
−HK$2,019/mo
Today · 4.125%
HK$67,919
baseline
▲ 0.50% · 4.625%
HK$72,052
+HK$4,133/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,838/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,101
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$73,008
−HK$1,934/mo
Today · 4.125%
HK$74,942
baseline
▲ 0.50% · 4.625%
HK$78,893
+HK$3,951/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,884/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,694
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,079
−HK$2,424/mo
Today · 4.125%
HK$81,503
baseline
▲ 0.50% · 4.625%
HK$86,462
+HK$4,959/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,006/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,321
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,609
−HK$2,322/mo
Today · 4.125%
HK$89,931
baseline
▲ 0.50% · 4.625%
HK$94,671
+HK$4,740/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,862/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,476
−HK$5,611/mo
▼ 0.25% · 3.875%
HK$92,259
−HK$2,828/mo
Today · 4.125%
HK$95,087
baseline
▲ 0.50% · 4.625%
HK$100,873
+HK$5,786/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,174/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,541
−HK$5,378/mo
▼ 0.25% · 3.875%
HK$102,211
−HK$2,708/mo
Today · 4.125%
HK$104,919
baseline
▲ 0.50% · 4.625%
HK$110,450
+HK$5,531/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,838/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,041
−HK$7,214/mo
▼ 0.25% · 3.875%
HK$118,619
−HK$3,636/mo
Today · 4.125%
HK$122,255
baseline
▲ 0.50% · 4.625%
HK$129,694
+HK$7,439/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,510/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,982
−HK$6,914/mo
▼ 0.25% · 3.875%
HK$131,414
−HK$3,482/mo
Today · 4.125%
HK$134,896
baseline
▲ 0.50% · 4.625%
HK$142,007
+HK$7,111/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,792/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,200 · Scale 2, in force from 26 Feb 2026)