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$63,737
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,720
−HK$2,014/mo
Today · 4.125%
HK$67,734
baseline
▲ 0.50% · 4.625%
HK$71,855
+HK$4,121/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,468/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,907
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,809
−HK$1,929/mo
Today · 4.125%
HK$74,738
baseline
▲ 0.50% · 4.625%
HK$78,677
+HK$3,939/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,476/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,484
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,864
−HK$2,417/mo
Today · 4.125%
HK$81,281
baseline
▲ 0.50% · 4.625%
HK$86,226
+HK$4,945/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,562/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,088
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,370
−HK$2,315/mo
Today · 4.125%
HK$89,685
baseline
▲ 0.50% · 4.625%
HK$94,413
+HK$4,728/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,370/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,232
−HK$5,595/mo
▼ 0.25% · 3.875%
HK$92,007
−HK$2,820/mo
Today · 4.125%
HK$94,827
baseline
▲ 0.50% · 4.625%
HK$100,598
+HK$5,771/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,654/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,270
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,932
−HK$2,701/mo
Today · 4.125%
HK$104,633
baseline
▲ 0.50% · 4.625%
HK$110,148
+HK$5,515/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,266/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,727
−HK$7,194/mo
▼ 0.25% · 3.875%
HK$118,295
−HK$3,626/mo
Today · 4.125%
HK$121,921
baseline
▲ 0.50% · 4.625%
HK$129,340
+HK$7,419/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,842/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,632
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$131,055
−HK$3,473/mo
Today · 4.125%
HK$134,528
baseline
▲ 0.50% · 4.625%
HK$141,619
+HK$7,091/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,056/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,948 · Scale 2, in force from 26 Feb 2026)