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$63,891
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,878
−HK$2,020/mo
Today · 4.125%
HK$67,898
baseline
▲ 0.50% · 4.625%
HK$72,029
+HK$4,131/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,796/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,078
−HK$3,840/mo
▼ 0.25% · 3.875%
HK$72,984
−HK$1,934/mo
Today · 4.125%
HK$74,918
baseline
▲ 0.50% · 4.625%
HK$78,867
+HK$3,949/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,836/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,190,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,669
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$79,054
−HK$2,423/mo
Today · 4.125%
HK$81,477
baseline
▲ 0.50% · 4.625%
HK$86,435
+HK$4,958/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,954/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,294
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$87,581
−HK$2,321/mo
Today · 4.125%
HK$89,902
baseline
▲ 0.50% · 4.625%
HK$94,641
+HK$4,739/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,804/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,190,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,447
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,230
−HK$2,827/mo
Today · 4.125%
HK$95,057
baseline
▲ 0.50% · 4.625%
HK$100,841
+HK$5,784/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$190,114/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,509
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,178
−HK$2,708/mo
Today · 4.125%
HK$104,886
baseline
▲ 0.50% · 4.625%
HK$110,414
+HK$5,528/mo
Deposit HK$8.41M · loan HK$19.61M · min. income ≈ HK$209,772/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,190,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,004
−HK$7,212/mo
▼ 0.25% · 3.875%
HK$118,581
−HK$3,635/mo
Today · 4.125%
HK$122,216
baseline
▲ 0.50% · 4.625%
HK$129,652
+HK$7,436/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,432/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,941
−HK$6,912/mo
▼ 0.25% · 3.875%
HK$131,372
−HK$3,481/mo
Today · 4.125%
HK$134,853
baseline
▲ 0.50% · 4.625%
HK$141,961
+HK$7,108/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,706/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,190,818 · Scale 2, in force from 26 Feb 2026)