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$63,369
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,340
−HK$2,003/mo
Today · 4.125%
HK$67,343
baseline
▲ 0.50% · 4.625%
HK$71,440
+HK$4,097/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,686/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,497
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,388
−HK$1,918/mo
Today · 4.125%
HK$74,306
baseline
▲ 0.50% · 4.625%
HK$78,223
+HK$3,917/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,612/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,043
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,408
−HK$2,403/mo
Today · 4.125%
HK$80,811
baseline
▲ 0.50% · 4.625%
HK$85,729
+HK$4,918/mo
Deposit HK$11.12M · loan HK$16.67M · min. income ≈ HK$161,622/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,597
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,866
−HK$2,301/mo
Today · 4.125%
HK$89,167
baseline
▲ 0.50% · 4.625%
HK$93,867
+HK$4,700/mo
Deposit HK$11.12M · loan HK$16.67M · min. income ≈ HK$178,334/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,717
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,476
−HK$2,804/mo
Today · 4.125%
HK$94,280
baseline
▲ 0.50% · 4.625%
HK$100,017
+HK$5,737/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$188,560/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,696
−HK$5,333/mo
▼ 0.25% · 3.875%
HK$101,343
−HK$2,686/mo
Today · 4.125%
HK$104,029
baseline
▲ 0.50% · 4.625%
HK$109,512
+HK$5,483/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$208,058/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,064
−HK$7,153/mo
▼ 0.25% · 3.875%
HK$117,612
−HK$3,605/mo
Today · 4.125%
HK$121,217
baseline
▲ 0.50% · 4.625%
HK$128,593
+HK$7,376/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,434/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,895
−HK$6,856/mo
▼ 0.25% · 3.875%
HK$130,299
−HK$3,452/mo
Today · 4.125%
HK$133,751
baseline
▲ 0.50% · 4.625%
HK$140,801
+HK$7,050/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,502/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,088 · Scale 2, in force from 26 Feb 2026)