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$63,516
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,492
−HK$2,007/mo
Today · 4.125%
HK$67,499
baseline
▲ 0.50% · 4.625%
HK$71,606
+HK$4,107/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$134,998/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,661
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,556
−HK$1,923/mo
Today · 4.125%
HK$74,479
baseline
▲ 0.50% · 4.625%
HK$78,404
+HK$3,925/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,958/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,219
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,590
−HK$2,409/mo
Today · 4.125%
HK$80,999
baseline
▲ 0.50% · 4.625%
HK$85,928
+HK$4,929/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,998/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,183,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,793
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,067
−HK$2,307/mo
Today · 4.125%
HK$89,374
baseline
▲ 0.50% · 4.625%
HK$94,085
+HK$4,711/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,748/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,183,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,923
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,689
−HK$2,810/mo
Today · 4.125%
HK$94,499
baseline
▲ 0.50% · 4.625%
HK$100,249
+HK$5,750/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$188,998/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,925
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,579
−HK$2,691/mo
Today · 4.125%
HK$104,270
baseline
▲ 0.50% · 4.625%
HK$109,766
+HK$5,496/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,540/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,329
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,885
−HK$3,613/mo
Today · 4.125%
HK$121,498
baseline
▲ 0.50% · 4.625%
HK$128,891
+HK$7,393/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$242,996/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,190
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,601
−HK$3,460/mo
Today · 4.125%
HK$134,061
baseline
▲ 0.50% · 4.625%
HK$141,128
+HK$7,067/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,122/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,829 · Scale 2, in force from 26 Feb 2026)