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$63,485
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,460
−HK$2,006/mo
Today · 4.125%
HK$67,466
baseline
▲ 0.50% · 4.625%
HK$71,571
+HK$4,105/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,932/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,626
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,521
−HK$1,921/mo
Today · 4.125%
HK$74,442
baseline
▲ 0.50% · 4.625%
HK$78,366
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,884/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,182
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,552
−HK$2,407/mo
Today · 4.125%
HK$80,959
baseline
▲ 0.50% · 4.625%
HK$85,885
+HK$4,926/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$161,918/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,752
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,025
−HK$2,306/mo
Today · 4.125%
HK$89,331
baseline
▲ 0.50% · 4.625%
HK$94,039
+HK$4,708/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$178,662/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,879
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,644
−HK$2,809/mo
Today · 4.125%
HK$94,453
baseline
▲ 0.50% · 4.625%
HK$100,200
+HK$5,747/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,906/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,877
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,529
−HK$2,690/mo
Today · 4.125%
HK$104,219
baseline
▲ 0.50% · 4.625%
HK$109,713
+HK$5,494/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,438/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,273
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,828
−HK$3,611/mo
Today · 4.125%
HK$121,439
baseline
▲ 0.50% · 4.625%
HK$128,828
+HK$7,389/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,878/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,128
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$130,537
−HK$3,459/mo
Today · 4.125%
HK$133,996
baseline
▲ 0.50% · 4.625%
HK$141,059
+HK$7,063/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$267,992/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,250 · Scale 2, in force from 26 Feb 2026)