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$63,406
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,379
−HK$2,004/mo
Today · 4.125%
HK$67,383
baseline
▲ 0.50% · 4.625%
HK$71,483
+HK$4,100/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,766/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,539
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,431
−HK$1,919/mo
Today · 4.125%
HK$74,350
baseline
▲ 0.50% · 4.625%
HK$78,269
+HK$3,919/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,700/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,088
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,454
−HK$2,405/mo
Today · 4.125%
HK$80,859
baseline
▲ 0.50% · 4.625%
HK$85,779
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,718/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,647
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,917
−HK$2,303/mo
Today · 4.125%
HK$89,220
baseline
▲ 0.50% · 4.625%
HK$93,923
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,440/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,769
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,530
−HK$2,806/mo
Today · 4.125%
HK$94,336
baseline
▲ 0.50% · 4.625%
HK$100,076
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,672/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,755
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,403
−HK$2,687/mo
Today · 4.125%
HK$104,090
baseline
▲ 0.50% · 4.625%
HK$109,577
+HK$5,487/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,180/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,131
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,682
−HK$3,607/mo
Today · 4.125%
HK$121,289
baseline
▲ 0.50% · 4.625%
HK$128,669
+HK$7,380/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,578/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,970
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,375
−HK$3,455/mo
Today · 4.125%
HK$133,830
baseline
▲ 0.50% · 4.625%
HK$140,884
+HK$7,054/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,660/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,785 · Scale 2, in force from 26 Feb 2026)