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$63,453
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,427
−HK$2,006/mo
Today · 4.125%
HK$67,433
baseline
▲ 0.50% · 4.625%
HK$71,536
+HK$4,103/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,866/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,591
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,485
−HK$1,920/mo
Today · 4.125%
HK$74,405
baseline
▲ 0.50% · 4.625%
HK$78,327
+HK$3,922/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,810/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,144
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,513
−HK$2,406/mo
Today · 4.125%
HK$80,919
baseline
▲ 0.50% · 4.625%
HK$85,843
+HK$4,924/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,838/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,710
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,982
−HK$2,304/mo
Today · 4.125%
HK$89,286
baseline
▲ 0.50% · 4.625%
HK$93,993
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,572/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,835
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,598
−HK$2,808/mo
Today · 4.125%
HK$94,406
baseline
▲ 0.50% · 4.625%
HK$100,150
+HK$5,744/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,812/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,828
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,478
−HK$2,689/mo
Today · 4.125%
HK$104,167
baseline
▲ 0.50% · 4.625%
HK$109,658
+HK$5,491/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,334/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,216
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,769
−HK$3,610/mo
Today · 4.125%
HK$121,379
baseline
▲ 0.50% · 4.625%
HK$128,764
+HK$7,385/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,758/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,064
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,472
−HK$3,457/mo
Today · 4.125%
HK$133,929
baseline
▲ 0.50% · 4.625%
HK$140,989
+HK$7,060/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,858/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,663 · Scale 2, in force from 26 Feb 2026)