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$63,902
−HK$4,007/mo
▼ 0.25% · 3.875%
HK$65,890
−HK$2,019/mo
Today · 4.125%
HK$67,909
baseline
▲ 0.50% · 4.625%
HK$72,041
+HK$4,132/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$135,818/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,191,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,090
−HK$3,841/mo
▼ 0.25% · 3.875%
HK$72,997
−HK$1,934/mo
Today · 4.125%
HK$74,931
baseline
▲ 0.50% · 4.625%
HK$78,881
+HK$3,950/mo
Deposit HK$14.01M · loan HK$14.01M · min. income ≈ HK$149,862/mo (50% DSR)
Upfront cash ≈ HK$15.20M (deposit + AVD stamp duty HK$1,191,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,682
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$79,068
−HK$2,423/mo
Today · 4.125%
HK$81,491
baseline
▲ 0.50% · 4.625%
HK$86,450
+HK$4,959/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$162,982/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,308
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$87,596
−HK$2,321/mo
Today · 4.125%
HK$89,917
baseline
▲ 0.50% · 4.625%
HK$94,657
+HK$4,740/mo
Deposit HK$11.21M · loan HK$16.81M · min. income ≈ HK$179,834/mo (50% DSR)
Upfront cash ≈ HK$12.40M (deposit + AVD stamp duty HK$1,191,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,463
−HK$5,610/mo
▼ 0.25% · 3.875%
HK$92,246
−HK$2,827/mo
Today · 4.125%
HK$95,073
baseline
▲ 0.50% · 4.625%
HK$100,858
+HK$5,785/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$190,146/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,527
−HK$5,377/mo
▼ 0.25% · 3.875%
HK$102,196
−HK$2,708/mo
Today · 4.125%
HK$104,904
baseline
▲ 0.50% · 4.625%
HK$110,433
+HK$5,529/mo
Deposit HK$8.41M · loan HK$19.62M · min. income ≈ HK$209,808/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$1,191,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,024
−HK$7,213/mo
▼ 0.25% · 3.875%
HK$118,602
−HK$3,635/mo
Today · 4.125%
HK$122,237
baseline
▲ 0.50% · 4.625%
HK$129,675
+HK$7,438/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$244,474/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,963
−HK$6,913/mo
▼ 0.25% · 3.875%
HK$131,395
−HK$3,481/mo
Today · 4.125%
HK$134,876
baseline
▲ 0.50% · 4.625%
HK$141,986
+HK$7,110/mo
Deposit HK$2.80M · loan HK$25.22M · min. income ≈ HK$269,752/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,191,023 · Scale 2, in force from 26 Feb 2026)