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$63,748
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,731
−HK$2,014/mo
Today · 4.125%
HK$67,745
baseline
▲ 0.50% · 4.625%
HK$71,867
+HK$4,122/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,490/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,919
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,821
−HK$1,929/mo
Today · 4.125%
HK$74,750
baseline
▲ 0.50% · 4.625%
HK$78,690
+HK$3,940/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,500/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,497
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,877
−HK$2,417/mo
Today · 4.125%
HK$81,294
baseline
▲ 0.50% · 4.625%
HK$86,241
+HK$4,947/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,588/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,102
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,385
−HK$2,315/mo
Today · 4.125%
HK$89,700
baseline
▲ 0.50% · 4.625%
HK$94,429
+HK$4,729/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,400/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,247
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,023
−HK$2,820/mo
Today · 4.125%
HK$94,843
baseline
▲ 0.50% · 4.625%
HK$100,614
+HK$5,771/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,686/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,286
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,949
−HK$2,701/mo
Today · 4.125%
HK$104,650
baseline
▲ 0.50% · 4.625%
HK$110,167
+HK$5,517/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,300/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,746
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$118,315
−HK$3,627/mo
Today · 4.125%
HK$121,942
baseline
▲ 0.50% · 4.625%
HK$129,361
+HK$7,419/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,884/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,654
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$131,077
−HK$3,473/mo
Today · 4.125%
HK$134,550
baseline
▲ 0.50% · 4.625%
HK$141,643
+HK$7,093/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,100/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,147 · Scale 2, in force from 26 Feb 2026)