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$63,493
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,468
−HK$2,007/mo
Today · 4.125%
HK$67,475
baseline
▲ 0.50% · 4.625%
HK$71,581
+HK$4,106/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,950/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,636
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,530
−HK$1,922/mo
Today · 4.125%
HK$74,452
baseline
▲ 0.50% · 4.625%
HK$78,376
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,904/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,192
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,562
−HK$2,408/mo
Today · 4.125%
HK$80,970
baseline
▲ 0.50% · 4.625%
HK$85,897
+HK$4,927/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,940/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,763
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,036
−HK$2,306/mo
Today · 4.125%
HK$89,342
baseline
▲ 0.50% · 4.625%
HK$94,052
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,684/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,891
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,656
−HK$2,809/mo
Today · 4.125%
HK$94,465
baseline
▲ 0.50% · 4.625%
HK$100,213
+HK$5,748/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,930/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,890
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,542
−HK$2,691/mo
Today · 4.125%
HK$104,233
baseline
▲ 0.50% · 4.625%
HK$109,727
+HK$5,494/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,466/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,288
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,843
−HK$3,612/mo
Today · 4.125%
HK$121,455
baseline
▲ 0.50% · 4.625%
HK$128,845
+HK$7,390/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,910/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,144
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$130,554
−HK$3,460/mo
Today · 4.125%
HK$134,014
baseline
▲ 0.50% · 4.625%
HK$141,078
+HK$7,064/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,028/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,406 · Scale 2, in force from 26 Feb 2026)