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$63,810
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,795
−HK$2,017/mo
Today · 4.125%
HK$67,812
baseline
▲ 0.50% · 4.625%
HK$71,938
+HK$4,126/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,624/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,988
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,892
−HK$1,932/mo
Today · 4.125%
HK$74,824
baseline
▲ 0.50% · 4.625%
HK$78,768
+HK$3,944/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,648/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,572
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,954
−HK$2,420/mo
Today · 4.125%
HK$81,374
baseline
▲ 0.50% · 4.625%
HK$86,326
+HK$4,952/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$162,748/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,186
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,471
−HK$2,317/mo
Today · 4.125%
HK$89,788
baseline
▲ 0.50% · 4.625%
HK$94,521
+HK$4,733/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$179,576/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,334
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,113
−HK$2,823/mo
Today · 4.125%
HK$94,936
baseline
▲ 0.50% · 4.625%
HK$100,713
+HK$5,777/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$189,872/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,189,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,384
−HK$5,369/mo
▼ 0.25% · 3.875%
HK$102,049
−HK$2,704/mo
Today · 4.125%
HK$104,753
baseline
▲ 0.50% · 4.625%
HK$110,275
+HK$5,522/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$209,506/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,189,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,859
−HK$7,202/mo
▼ 0.25% · 3.875%
HK$118,431
−HK$3,630/mo
Today · 4.125%
HK$122,061
baseline
▲ 0.50% · 4.625%
HK$129,488
+HK$7,427/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$244,122/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,779
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,206
−HK$3,477/mo
Today · 4.125%
HK$134,683
baseline
▲ 0.50% · 4.625%
HK$141,782
+HK$7,099/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$269,366/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,313 · Scale 2, in force from 26 Feb 2026)