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$63,414
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,387
−HK$2,004/mo
Today · 4.125%
HK$67,391
baseline
▲ 0.50% · 4.625%
HK$71,492
+HK$4,101/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,782/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,548
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,440
−HK$1,919/mo
Today · 4.125%
HK$74,359
baseline
▲ 0.50% · 4.625%
HK$78,279
+HK$3,920/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,718/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,097
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,464
−HK$2,405/mo
Today · 4.125%
HK$80,869
baseline
▲ 0.50% · 4.625%
HK$85,790
+HK$4,921/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$161,738/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,658
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,928
−HK$2,303/mo
Today · 4.125%
HK$89,231
baseline
▲ 0.50% · 4.625%
HK$93,935
+HK$4,704/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$178,462/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,780
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,542
−HK$2,806/mo
Today · 4.125%
HK$94,348
baseline
▲ 0.50% · 4.625%
HK$100,088
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,696/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,181,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,767
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,416
−HK$2,687/mo
Today · 4.125%
HK$104,103
baseline
▲ 0.50% · 4.625%
HK$109,591
+HK$5,488/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,206/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,181,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,146
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,697
−HK$3,607/mo
Today · 4.125%
HK$121,304
baseline
▲ 0.50% · 4.625%
HK$128,685
+HK$7,381/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,608/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,986
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,392
−HK$3,455/mo
Today · 4.125%
HK$133,847
baseline
▲ 0.50% · 4.625%
HK$140,902
+HK$7,055/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,694/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,935 · Scale 2, in force from 26 Feb 2026)