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$63,557
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,534
−HK$2,009/mo
Today · 4.125%
HK$67,543
baseline
▲ 0.50% · 4.625%
HK$71,653
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,086/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,707
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,603
−HK$1,924/mo
Today · 4.125%
HK$74,527
baseline
▲ 0.50% · 4.625%
HK$78,455
+HK$3,928/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,054/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,269
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,641
−HK$2,411/mo
Today · 4.125%
HK$81,052
baseline
▲ 0.50% · 4.625%
HK$85,983
+HK$4,931/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,104/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,848
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,124
−HK$2,308/mo
Today · 4.125%
HK$89,432
baseline
▲ 0.50% · 4.625%
HK$94,147
+HK$4,715/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,864/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,980
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,748
−HK$2,812/mo
Today · 4.125%
HK$94,560
baseline
▲ 0.50% · 4.625%
HK$100,314
+HK$5,754/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,120/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,990
−HK$5,348/mo
▼ 0.25% · 3.875%
HK$101,645
−HK$2,693/mo
Today · 4.125%
HK$104,338
baseline
▲ 0.50% · 4.625%
HK$109,838
+HK$5,500/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,676/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,403
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,962
−HK$3,615/mo
Today · 4.125%
HK$121,577
baseline
▲ 0.50% · 4.625%
HK$128,975
+HK$7,398/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,154/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,273
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,686
−HK$3,463/mo
Today · 4.125%
HK$134,149
baseline
▲ 0.50% · 4.625%
HK$141,220
+HK$7,071/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,298/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,600 · Scale 2, in force from 26 Feb 2026)