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$63,486
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,461
−HK$2,006/mo
Today · 4.125%
HK$67,467
baseline
▲ 0.50% · 4.625%
HK$71,573
+HK$4,106/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,934/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,628
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,522
−HK$1,922/mo
Today · 4.125%
HK$74,444
baseline
▲ 0.50% · 4.625%
HK$78,368
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,888/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,184
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$78,553
−HK$2,408/mo
Today · 4.125%
HK$80,961
baseline
▲ 0.50% · 4.625%
HK$85,887
+HK$4,926/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,922/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,753
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,026
−HK$2,306/mo
Today · 4.125%
HK$89,332
baseline
▲ 0.50% · 4.625%
HK$94,041
+HK$4,709/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,664/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,881
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,646
−HK$2,808/mo
Today · 4.125%
HK$94,454
baseline
▲ 0.50% · 4.625%
HK$100,202
+HK$5,748/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,908/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,879
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,531
−HK$2,690/mo
Today · 4.125%
HK$104,221
baseline
▲ 0.50% · 4.625%
HK$109,715
+HK$5,494/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,442/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,275
−HK$7,166/mo
▼ 0.25% · 3.875%
HK$117,830
−HK$3,611/mo
Today · 4.125%
HK$121,441
baseline
▲ 0.50% · 4.625%
HK$128,831
+HK$7,390/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,882/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,130
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$130,540
−HK$3,459/mo
Today · 4.125%
HK$133,999
baseline
▲ 0.50% · 4.625%
HK$141,062
+HK$7,063/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$267,998/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,274 · Scale 2, in force from 26 Feb 2026)