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$63,512
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,488
−HK$2,007/mo
Today · 4.125%
HK$67,495
baseline
▲ 0.50% · 4.625%
HK$71,602
+HK$4,107/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$134,990/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,656
−HK$3,818/mo
▼ 0.25% · 3.875%
HK$72,551
−HK$1,923/mo
Today · 4.125%
HK$74,474
baseline
▲ 0.50% · 4.625%
HK$78,399
+HK$3,925/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,948/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,214
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$78,585
−HK$2,409/mo
Today · 4.125%
HK$80,994
baseline
▲ 0.50% · 4.625%
HK$85,922
+HK$4,928/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,988/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,788
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,062
−HK$2,307/mo
Today · 4.125%
HK$89,369
baseline
▲ 0.50% · 4.625%
HK$94,079
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,738/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,917
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,683
−HK$2,810/mo
Today · 4.125%
HK$94,493
baseline
▲ 0.50% · 4.625%
HK$100,242
+HK$5,749/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$188,986/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,919
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,572
−HK$2,691/mo
Today · 4.125%
HK$104,263
baseline
▲ 0.50% · 4.625%
HK$109,759
+HK$5,496/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,526/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,322
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,878
−HK$3,612/mo
Today · 4.125%
HK$121,490
baseline
▲ 0.50% · 4.625%
HK$128,883
+HK$7,393/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$242,980/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,182
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,592
−HK$3,461/mo
Today · 4.125%
HK$134,053
baseline
▲ 0.50% · 4.625%
HK$141,119
+HK$7,066/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,106/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,753 · Scale 2, in force from 26 Feb 2026)