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$63,929
−HK$4,009/mo
▼ 0.25% · 3.875%
HK$65,918
−HK$2,020/mo
Today · 4.125%
HK$67,938
baseline
▲ 0.50% · 4.625%
HK$72,072
+HK$4,134/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$135,876/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,120
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$73,028
−HK$1,935/mo
Today · 4.125%
HK$74,963
baseline
▲ 0.50% · 4.625%
HK$78,914
+HK$3,951/mo
Deposit HK$14.02M · loan HK$14.02M · min. income ≈ HK$149,926/mo (50% DSR)
Upfront cash ≈ HK$15.21M (deposit + AVD stamp duty HK$1,191,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,715
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$79,101
−HK$2,425/mo
Today · 4.125%
HK$81,526
baseline
▲ 0.50% · 4.625%
HK$86,486
+HK$4,960/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$163,052/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,345
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,633
−HK$2,322/mo
Today · 4.125%
HK$89,955
baseline
▲ 0.50% · 4.625%
HK$94,697
+HK$4,742/mo
Deposit HK$11.21M · loan HK$16.82M · min. income ≈ HK$179,910/mo (50% DSR)
Upfront cash ≈ HK$12.41M (deposit + AVD stamp duty HK$1,191,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,501
−HK$5,612/mo
▼ 0.25% · 3.875%
HK$92,285
−HK$2,828/mo
Today · 4.125%
HK$95,113
baseline
▲ 0.50% · 4.625%
HK$100,901
+HK$5,788/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$190,226/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,569
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$102,239
−HK$2,709/mo
Today · 4.125%
HK$104,948
baseline
▲ 0.50% · 4.625%
HK$110,480
+HK$5,532/mo
Deposit HK$8.41M · loan HK$19.63M · min. income ≈ HK$209,896/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,072
−HK$7,216/mo
▼ 0.25% · 3.875%
HK$118,652
−HK$3,636/mo
Today · 4.125%
HK$122,288
baseline
▲ 0.50% · 4.625%
HK$129,729
+HK$7,441/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$244,576/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,017
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$131,450
−HK$3,483/mo
Today · 4.125%
HK$134,933
baseline
▲ 0.50% · 4.625%
HK$142,046
+HK$7,113/mo
Deposit HK$2.80M · loan HK$25.23M · min. income ≈ HK$269,866/mo (50% DSR)
Upfront cash ≈ HK$4.00M (deposit + AVD stamp duty HK$1,191,526 · Scale 2, in force from 26 Feb 2026)