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$63,779
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,763
−HK$2,016/mo
Today · 4.125%
HK$67,779
baseline
▲ 0.50% · 4.625%
HK$71,903
+HK$4,124/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,558/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,954
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,857
−HK$1,930/mo
Today · 4.125%
HK$74,787
baseline
▲ 0.50% · 4.625%
HK$78,729
+HK$3,942/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,574/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,535
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,916
−HK$2,419/mo
Today · 4.125%
HK$81,335
baseline
▲ 0.50% · 4.625%
HK$86,284
+HK$4,949/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,670/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,145
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,428
−HK$2,317/mo
Today · 4.125%
HK$89,745
baseline
▲ 0.50% · 4.625%
HK$94,475
+HK$4,730/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,490/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,291
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,068
−HK$2,822/mo
Today · 4.125%
HK$94,890
baseline
▲ 0.50% · 4.625%
HK$100,664
+HK$5,774/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,780/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,335
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,999
−HK$2,703/mo
Today · 4.125%
HK$104,702
baseline
▲ 0.50% · 4.625%
HK$110,221
+HK$5,519/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,404/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,803
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,374
−HK$3,628/mo
Today · 4.125%
HK$122,002
baseline
▲ 0.50% · 4.625%
HK$129,425
+HK$7,423/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$244,004/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,717
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,142
−HK$3,475/mo
Today · 4.125%
HK$134,617
baseline
▲ 0.50% · 4.625%
HK$141,713
+HK$7,096/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,234/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,734 · Scale 2, in force from 26 Feb 2026)