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$63,711
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,693
−HK$2,013/mo
Today · 4.125%
HK$67,706
baseline
▲ 0.50% · 4.625%
HK$71,826
+HK$4,120/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,412/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,878
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,779
−HK$1,928/mo
Today · 4.125%
HK$74,707
baseline
▲ 0.50% · 4.625%
HK$78,645
+HK$3,938/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,414/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,453
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,831
−HK$2,417/mo
Today · 4.125%
HK$81,248
baseline
▲ 0.50% · 4.625%
HK$86,191
+HK$4,943/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$162,496/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,054
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,335
−HK$2,314/mo
Today · 4.125%
HK$89,649
baseline
▲ 0.50% · 4.625%
HK$94,374
+HK$4,725/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$179,298/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,196
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,970
−HK$2,819/mo
Today · 4.125%
HK$94,789
baseline
▲ 0.50% · 4.625%
HK$100,557
+HK$5,768/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,578/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,229
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,890
−HK$2,700/mo
Today · 4.125%
HK$104,590
baseline
▲ 0.50% · 4.625%
HK$110,103
+HK$5,513/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,180/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,680
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,247
−HK$3,624/mo
Today · 4.125%
HK$121,871
baseline
▲ 0.50% · 4.625%
HK$129,287
+HK$7,416/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,742/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,580
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,002
−HK$3,471/mo
Today · 4.125%
HK$134,473
baseline
▲ 0.50% · 4.625%
HK$141,561
+HK$7,088/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$268,946/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,464 · Scale 2, in force from 26 Feb 2026)