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$63,483
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,457
−HK$2,007/mo
Today · 4.125%
HK$67,464
baseline
▲ 0.50% · 4.625%
HK$71,569
+HK$4,105/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,928/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,624
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,518
−HK$1,921/mo
Today · 4.125%
HK$74,439
baseline
▲ 0.50% · 4.625%
HK$78,363
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,878/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,179
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,549
−HK$2,407/mo
Today · 4.125%
HK$80,956
baseline
▲ 0.50% · 4.625%
HK$85,882
+HK$4,926/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$161,912/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,749
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,022
−HK$2,305/mo
Today · 4.125%
HK$89,327
baseline
▲ 0.50% · 4.625%
HK$94,036
+HK$4,709/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$178,654/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,876
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,640
−HK$2,809/mo
Today · 4.125%
HK$94,449
baseline
▲ 0.50% · 4.625%
HK$100,196
+HK$5,747/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,898/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,873
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,525
−HK$2,690/mo
Today · 4.125%
HK$104,215
baseline
▲ 0.50% · 4.625%
HK$109,709
+HK$5,494/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,430/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,269
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,823
−HK$3,612/mo
Today · 4.125%
HK$121,435
baseline
▲ 0.50% · 4.625%
HK$128,824
+HK$7,389/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,870/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,123
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,532
−HK$3,459/mo
Today · 4.125%
HK$133,991
baseline
▲ 0.50% · 4.625%
HK$141,054
+HK$7,063/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$267,982/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,208 · Scale 2, in force from 26 Feb 2026)