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$63,721
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,704
−HK$2,013/mo
Today · 4.125%
HK$67,717
baseline
▲ 0.50% · 4.625%
HK$71,838
+HK$4,121/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,434/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,889
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,791
−HK$1,928/mo
Today · 4.125%
HK$74,719
baseline
▲ 0.50% · 4.625%
HK$78,658
+HK$3,939/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,438/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,466
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,844
−HK$2,417/mo
Today · 4.125%
HK$81,261
baseline
▲ 0.50% · 4.625%
HK$86,205
+HK$4,944/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,522/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,067
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,349
−HK$2,314/mo
Today · 4.125%
HK$89,663
baseline
▲ 0.50% · 4.625%
HK$94,390
+HK$4,727/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,326/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,210
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,985
−HK$2,819/mo
Today · 4.125%
HK$94,804
baseline
▲ 0.50% · 4.625%
HK$100,573
+HK$5,769/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,608/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,245
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,907
−HK$2,700/mo
Today · 4.125%
HK$104,607
baseline
▲ 0.50% · 4.625%
HK$110,121
+HK$5,514/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,214/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,699
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,266
−HK$3,625/mo
Today · 4.125%
HK$121,891
baseline
▲ 0.50% · 4.625%
HK$129,308
+HK$7,417/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,782/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,601
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,023
−HK$3,472/mo
Today · 4.125%
HK$134,495
baseline
▲ 0.50% · 4.625%
HK$141,584
+HK$7,089/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$268,990/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,657 · Scale 2, in force from 26 Feb 2026)