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$63,777
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,761
−HK$2,016/mo
Today · 4.125%
HK$67,777
baseline
▲ 0.50% · 4.625%
HK$71,901
+HK$4,124/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,554/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,952
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,854
−HK$1,931/mo
Today · 4.125%
HK$74,785
baseline
▲ 0.50% · 4.625%
HK$78,727
+HK$3,942/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,570/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,533
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,913
−HK$2,419/mo
Today · 4.125%
HK$81,332
baseline
▲ 0.50% · 4.625%
HK$86,281
+HK$4,949/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,664/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,142
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,425
−HK$2,317/mo
Today · 4.125%
HK$89,742
baseline
▲ 0.50% · 4.625%
HK$94,472
+HK$4,730/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,484/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,288
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,065
−HK$2,822/mo
Today · 4.125%
HK$94,887
baseline
▲ 0.50% · 4.625%
HK$100,661
+HK$5,774/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,774/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,332
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,996
−HK$2,703/mo
Today · 4.125%
HK$104,699
baseline
▲ 0.50% · 4.625%
HK$110,218
+HK$5,519/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,398/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,799
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,370
−HK$3,628/mo
Today · 4.125%
HK$121,998
baseline
▲ 0.50% · 4.625%
HK$129,421
+HK$7,423/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$243,996/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,713
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,138
−HK$3,475/mo
Today · 4.125%
HK$134,613
baseline
▲ 0.50% · 4.625%
HK$141,708
+HK$7,095/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,226/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,697 · Scale 2, in force from 26 Feb 2026)