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$63,413
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,385
−HK$2,004/mo
Today · 4.125%
HK$67,389
baseline
▲ 0.50% · 4.625%
HK$71,489
+HK$4,100/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,778/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,546
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,438
−HK$1,919/mo
Today · 4.125%
HK$74,357
baseline
▲ 0.50% · 4.625%
HK$78,277
+HK$3,920/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,714/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,095
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,462
−HK$2,405/mo
Today · 4.125%
HK$80,867
baseline
▲ 0.50% · 4.625%
HK$85,787
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$161,734/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,655
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,925
−HK$2,304/mo
Today · 4.125%
HK$89,229
baseline
▲ 0.50% · 4.625%
HK$93,932
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$178,458/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,778
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,539
−HK$2,806/mo
Today · 4.125%
HK$94,345
baseline
▲ 0.50% · 4.625%
HK$100,085
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,690/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,764
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,413
−HK$2,687/mo
Today · 4.125%
HK$104,100
baseline
▲ 0.50% · 4.625%
HK$109,587
+HK$5,487/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,200/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,143
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,693
−HK$3,607/mo
Today · 4.125%
HK$121,300
baseline
▲ 0.50% · 4.625%
HK$128,681
+HK$7,381/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,600/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,982
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,388
−HK$3,455/mo
Today · 4.125%
HK$133,843
baseline
▲ 0.50% · 4.625%
HK$140,898
+HK$7,055/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,686/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,899 · Scale 2, in force from 26 Feb 2026)