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$63,543
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$65,519
−HK$2,008/mo
Today · 4.125%
HK$67,527
baseline
▲ 0.50% · 4.625%
HK$71,636
+HK$4,109/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,054/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,691
−HK$3,819/mo
▼ 0.25% · 3.875%
HK$72,587
−HK$1,923/mo
Today · 4.125%
HK$74,510
baseline
▲ 0.50% · 4.625%
HK$78,437
+HK$3,927/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$149,020/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,251
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,623
−HK$2,410/mo
Today · 4.125%
HK$81,033
baseline
▲ 0.50% · 4.625%
HK$85,964
+HK$4,931/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,066/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,829
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$87,104
−HK$2,308/mo
Today · 4.125%
HK$89,412
baseline
▲ 0.50% · 4.625%
HK$94,125
+HK$4,713/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,824/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,960
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,727
−HK$2,811/mo
Today · 4.125%
HK$94,538
baseline
▲ 0.50% · 4.625%
HK$100,291
+HK$5,753/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,076/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,967
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,621
−HK$2,693/mo
Today · 4.125%
HK$104,314
baseline
▲ 0.50% · 4.625%
HK$109,812
+HK$5,498/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,628/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,377
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$117,935
−HK$3,614/mo
Today · 4.125%
HK$121,549
baseline
▲ 0.50% · 4.625%
HK$128,945
+HK$7,396/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,098/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,243
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,656
−HK$3,462/mo
Today · 4.125%
HK$134,118
baseline
▲ 0.50% · 4.625%
HK$141,187
+HK$7,069/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,236/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,327 · Scale 2, in force from 26 Feb 2026)