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$63,480
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,454
−HK$2,006/mo
Today · 4.125%
HK$67,460
baseline
▲ 0.50% · 4.625%
HK$71,565
+HK$4,105/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,920/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,620
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,514
−HK$1,922/mo
Today · 4.125%
HK$74,436
baseline
▲ 0.50% · 4.625%
HK$78,359
+HK$3,923/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,872/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,176
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,545
−HK$2,407/mo
Today · 4.125%
HK$80,952
baseline
▲ 0.50% · 4.625%
HK$85,878
+HK$4,926/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$161,904/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,744
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,017
−HK$2,306/mo
Today · 4.125%
HK$89,323
baseline
▲ 0.50% · 4.625%
HK$94,031
+HK$4,708/mo
Deposit HK$11.14M · loan HK$16.70M · min. income ≈ HK$178,646/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,871
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,636
−HK$2,808/mo
Today · 4.125%
HK$94,444
baseline
▲ 0.50% · 4.625%
HK$100,191
+HK$5,747/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,888/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,869
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,520
−HK$2,690/mo
Today · 4.125%
HK$104,210
baseline
▲ 0.50% · 4.625%
HK$109,703
+HK$5,493/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,420/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,263
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,817
−HK$3,612/mo
Today · 4.125%
HK$121,429
baseline
▲ 0.50% · 4.625%
HK$128,817
+HK$7,388/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,858/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,117
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,526
−HK$3,458/mo
Today · 4.125%
HK$133,984
baseline
▲ 0.50% · 4.625%
HK$141,047
+HK$7,063/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,968/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,149 · Scale 2, in force from 26 Feb 2026)