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$63,409
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,382
−HK$2,004/mo
Today · 4.125%
HK$67,386
baseline
▲ 0.50% · 4.625%
HK$71,486
+HK$4,100/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,772/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,542
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,434
−HK$1,919/mo
Today · 4.125%
HK$74,353
baseline
▲ 0.50% · 4.625%
HK$78,273
+HK$3,920/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,706/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,091
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,458
−HK$2,405/mo
Today · 4.125%
HK$80,863
baseline
▲ 0.50% · 4.625%
HK$85,783
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,726/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,651
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,921
−HK$2,303/mo
Today · 4.125%
HK$89,224
baseline
▲ 0.50% · 4.625%
HK$93,927
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,448/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,773
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,534
−HK$2,806/mo
Today · 4.125%
HK$94,340
baseline
▲ 0.50% · 4.625%
HK$100,080
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,680/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,759
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,408
−HK$2,687/mo
Today · 4.125%
HK$104,095
baseline
▲ 0.50% · 4.625%
HK$109,582
+HK$5,487/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,190/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,137
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,687
−HK$3,607/mo
Today · 4.125%
HK$121,294
baseline
▲ 0.50% · 4.625%
HK$128,674
+HK$7,380/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,588/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,976
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,381
−HK$3,455/mo
Today · 4.125%
HK$133,836
baseline
▲ 0.50% · 4.625%
HK$140,891
+HK$7,055/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,672/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,837 · Scale 2, in force from 26 Feb 2026)