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$63,718
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,700
−HK$2,014/mo
Today · 4.125%
HK$67,714
baseline
▲ 0.50% · 4.625%
HK$71,834
+HK$4,120/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,428/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,886
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,787
−HK$1,929/mo
Today · 4.125%
HK$74,716
baseline
▲ 0.50% · 4.625%
HK$78,654
+HK$3,938/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,432/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,462
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,840
−HK$2,417/mo
Today · 4.125%
HK$81,257
baseline
▲ 0.50% · 4.625%
HK$86,201
+HK$4,944/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,514/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,063
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,345
−HK$2,314/mo
Today · 4.125%
HK$89,659
baseline
▲ 0.50% · 4.625%
HK$94,385
+HK$4,726/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,318/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,206
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,981
−HK$2,819/mo
Today · 4.125%
HK$94,800
baseline
▲ 0.50% · 4.625%
HK$100,568
+HK$5,768/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,600/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,241
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,902
−HK$2,700/mo
Today · 4.125%
HK$104,602
baseline
▲ 0.50% · 4.625%
HK$110,116
+HK$5,514/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,204/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,693
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,261
−HK$3,624/mo
Today · 4.125%
HK$121,885
baseline
▲ 0.50% · 4.625%
HK$129,302
+HK$7,417/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,770/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,595
−HK$6,894/mo
▼ 0.25% · 3.875%
HK$131,017
−HK$3,472/mo
Today · 4.125%
HK$134,489
baseline
▲ 0.50% · 4.625%
HK$141,578
+HK$7,089/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$268,978/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,600 · Scale 2, in force from 26 Feb 2026)