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$63,692
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,673
−HK$2,013/mo
Today · 4.125%
HK$67,686
baseline
▲ 0.50% · 4.625%
HK$71,805
+HK$4,119/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,372/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,857
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,757
−HK$1,928/mo
Today · 4.125%
HK$74,685
baseline
▲ 0.50% · 4.625%
HK$78,622
+HK$3,937/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,370/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,430
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,808
−HK$2,415/mo
Today · 4.125%
HK$81,223
baseline
▲ 0.50% · 4.625%
HK$86,166
+HK$4,943/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,446/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,028
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,309
−HK$2,313/mo
Today · 4.125%
HK$89,622
baseline
▲ 0.50% · 4.625%
HK$94,346
+HK$4,724/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,244/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,169
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,943
−HK$2,818/mo
Today · 4.125%
HK$94,761
baseline
▲ 0.50% · 4.625%
HK$100,527
+HK$5,766/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,522/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,200
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,860
−HK$2,699/mo
Today · 4.125%
HK$104,559
baseline
▲ 0.50% · 4.625%
HK$110,070
+HK$5,511/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,118/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,646
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$118,212
−HK$3,623/mo
Today · 4.125%
HK$121,835
baseline
▲ 0.50% · 4.625%
HK$129,248
+HK$7,413/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,670/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,542
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$130,963
−HK$3,470/mo
Today · 4.125%
HK$134,433
baseline
▲ 0.50% · 4.625%
HK$141,519
+HK$7,086/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,866/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,110 · Scale 2, in force from 26 Feb 2026)