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$63,613
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,592
−HK$2,010/mo
Today · 4.125%
HK$67,602
baseline
▲ 0.50% · 4.625%
HK$71,715
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,204/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,769
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,667
−HK$1,925/mo
Today · 4.125%
HK$74,592
baseline
▲ 0.50% · 4.625%
HK$78,524
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,184/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,335
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,710
−HK$2,412/mo
Today · 4.125%
HK$81,122
baseline
▲ 0.50% · 4.625%
HK$86,058
+HK$4,936/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,244/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,922
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,200
−HK$2,311/mo
Today · 4.125%
HK$89,511
baseline
▲ 0.50% · 4.625%
HK$94,229
+HK$4,718/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,022/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,058
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,828
−HK$2,815/mo
Today · 4.125%
HK$94,643
baseline
▲ 0.50% · 4.625%
HK$100,402
+HK$5,759/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,286/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,076
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,733
−HK$2,696/mo
Today · 4.125%
HK$104,429
baseline
▲ 0.50% · 4.625%
HK$109,934
+HK$5,505/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,858/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,503
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,065
−HK$3,619/mo
Today · 4.125%
HK$121,684
baseline
▲ 0.50% · 4.625%
HK$129,088
+HK$7,404/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,368/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,384
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,800
−HK$3,466/mo
Today · 4.125%
HK$134,266
baseline
▲ 0.50% · 4.625%
HK$141,343
+HK$7,077/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,532/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,634 · Scale 2, in force from 26 Feb 2026)