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$63,581
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,559
−HK$2,009/mo
Today · 4.125%
HK$67,568
baseline
▲ 0.50% · 4.625%
HK$71,679
+HK$4,111/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,136/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,733
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,630
−HK$1,925/mo
Today · 4.125%
HK$74,555
baseline
▲ 0.50% · 4.625%
HK$78,485
+HK$3,930/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,110/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,297
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,670
−HK$2,412/mo
Today · 4.125%
HK$81,082
baseline
▲ 0.50% · 4.625%
HK$86,015
+HK$4,933/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,164/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,880
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,156
−HK$2,310/mo
Today · 4.125%
HK$89,466
baseline
▲ 0.50% · 4.625%
HK$94,181
+HK$4,715/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,932/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,013
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,782
−HK$2,813/mo
Today · 4.125%
HK$94,595
baseline
▲ 0.50% · 4.625%
HK$100,351
+HK$5,756/mo
Deposit HK$8.36M · loan HK$19.52M · min. income ≈ HK$189,190/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,026
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,682
−HK$2,695/mo
Today · 4.125%
HK$104,377
baseline
▲ 0.50% · 4.625%
HK$109,878
+HK$5,501/mo
Deposit HK$8.36M · loan HK$19.52M · min. income ≈ HK$208,754/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,446
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,006
−HK$3,617/mo
Today · 4.125%
HK$121,623
baseline
▲ 0.50% · 4.625%
HK$129,023
+HK$7,400/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,246/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,320
−HK$6,878/mo
▼ 0.25% · 3.875%
HK$130,734
−HK$3,464/mo
Today · 4.125%
HK$134,198
baseline
▲ 0.50% · 4.625%
HK$141,272
+HK$7,074/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,396/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,039 · Scale 2, in force from 26 Feb 2026)