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$63,549
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,525
−HK$2,009/mo
Today · 4.125%
HK$67,534
baseline
▲ 0.50% · 4.625%
HK$71,643
+HK$4,109/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,068/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,697
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,593
−HK$1,924/mo
Today · 4.125%
HK$74,517
baseline
▲ 0.50% · 4.625%
HK$78,445
+HK$3,928/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$149,034/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,258
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,630
−HK$2,410/mo
Today · 4.125%
HK$81,040
baseline
▲ 0.50% · 4.625%
HK$85,972
+HK$4,932/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,080/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,837
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,112
−HK$2,308/mo
Today · 4.125%
HK$89,420
baseline
▲ 0.50% · 4.625%
HK$94,134
+HK$4,714/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,840/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,968
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$91,735
−HK$2,812/mo
Today · 4.125%
HK$94,547
baseline
▲ 0.50% · 4.625%
HK$100,300
+HK$5,753/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,094/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,976
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,631
−HK$2,692/mo
Today · 4.125%
HK$104,323
baseline
▲ 0.50% · 4.625%
HK$109,822
+HK$5,499/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,646/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,387
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,946
−HK$3,615/mo
Today · 4.125%
HK$121,561
baseline
▲ 0.50% · 4.625%
HK$128,957
+HK$7,396/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,122/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,255
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,668
−HK$3,462/mo
Today · 4.125%
HK$134,130
baseline
▲ 0.50% · 4.625%
HK$141,200
+HK$7,070/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,260/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,435 · Scale 2, in force from 26 Feb 2026)