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$63,699
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,681
−HK$2,013/mo
Today · 4.125%
HK$67,694
baseline
▲ 0.50% · 4.625%
HK$71,813
+HK$4,119/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,388/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,865
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,765
−HK$1,928/mo
Today · 4.125%
HK$74,693
baseline
▲ 0.50% · 4.625%
HK$78,631
+HK$3,938/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,386/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,439
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,817
−HK$2,415/mo
Today · 4.125%
HK$81,232
baseline
▲ 0.50% · 4.625%
HK$86,175
+HK$4,943/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,464/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,038
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,318
−HK$2,314/mo
Today · 4.125%
HK$89,632
baseline
▲ 0.50% · 4.625%
HK$94,357
+HK$4,725/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,264/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,179
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,953
−HK$2,818/mo
Today · 4.125%
HK$94,771
baseline
▲ 0.50% · 4.625%
HK$100,538
+HK$5,767/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,542/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,211
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,871
−HK$2,700/mo
Today · 4.125%
HK$104,571
baseline
▲ 0.50% · 4.625%
HK$110,083
+HK$5,512/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,142/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,659
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,225
−HK$3,624/mo
Today · 4.125%
HK$121,849
baseline
▲ 0.50% · 4.625%
HK$129,263
+HK$7,414/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,698/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,557
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$130,978
−HK$3,470/mo
Today · 4.125%
HK$134,448
baseline
▲ 0.50% · 4.625%
HK$141,535
+HK$7,087/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,896/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,243 · Scale 2, in force from 26 Feb 2026)