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$63,436
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,410
−HK$2,004/mo
Today · 4.125%
HK$67,414
baseline
▲ 0.50% · 4.625%
HK$71,516
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,828/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,572
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,465
−HK$1,920/mo
Today · 4.125%
HK$74,385
baseline
▲ 0.50% · 4.625%
HK$78,306
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,770/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,124
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,491
−HK$2,406/mo
Today · 4.125%
HK$80,897
baseline
▲ 0.50% · 4.625%
HK$85,820
+HK$4,923/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,794/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,687
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,958
−HK$2,304/mo
Today · 4.125%
HK$89,262
baseline
▲ 0.50% · 4.625%
HK$93,967
+HK$4,705/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,524/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,811
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,573
−HK$2,807/mo
Today · 4.125%
HK$94,380
baseline
▲ 0.50% · 4.625%
HK$100,123
+HK$5,743/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$188,760/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,801
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,451
−HK$2,688/mo
Today · 4.125%
HK$104,139
baseline
▲ 0.50% · 4.625%
HK$109,628
+HK$5,489/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$208,278/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,185
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,737
−HK$3,609/mo
Today · 4.125%
HK$121,346
baseline
▲ 0.50% · 4.625%
HK$128,729
+HK$7,383/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,692/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,030
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,437
−HK$3,456/mo
Today · 4.125%
HK$133,893
baseline
▲ 0.50% · 4.625%
HK$140,951
+HK$7,058/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,786/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,342 · Scale 2, in force from 26 Feb 2026)