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$63,427
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,400
−HK$2,005/mo
Today · 4.125%
HK$67,405
baseline
▲ 0.50% · 4.625%
HK$71,506
+HK$4,101/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,810/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,562
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,454
−HK$1,920/mo
Today · 4.125%
HK$74,374
baseline
▲ 0.50% · 4.625%
HK$78,295
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,748/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,113
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,480
−HK$2,405/mo
Today · 4.125%
HK$80,885
baseline
▲ 0.50% · 4.625%
HK$85,807
+HK$4,922/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,770/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,674
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,945
−HK$2,304/mo
Today · 4.125%
HK$89,249
baseline
▲ 0.50% · 4.625%
HK$93,954
+HK$4,705/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,498/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,798
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,560
−HK$2,806/mo
Today · 4.125%
HK$94,366
baseline
▲ 0.50% · 4.625%
HK$100,108
+HK$5,742/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,732/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,787
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,436
−HK$2,688/mo
Today · 4.125%
HK$104,124
baseline
▲ 0.50% · 4.625%
HK$109,612
+HK$5,488/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,248/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,169
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$117,720
−HK$3,608/mo
Today · 4.125%
HK$121,328
baseline
▲ 0.50% · 4.625%
HK$128,711
+HK$7,383/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,656/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,012
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,418
−HK$3,456/mo
Today · 4.125%
HK$133,874
baseline
▲ 0.50% · 4.625%
HK$140,930
+HK$7,056/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,748/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,171 · Scale 2, in force from 26 Feb 2026)