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$63,815
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,800
−HK$2,017/mo
Today · 4.125%
HK$67,817
baseline
▲ 0.50% · 4.625%
HK$71,943
+HK$4,126/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,634/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,994
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,898
−HK$1,931/mo
Today · 4.125%
HK$74,829
baseline
▲ 0.50% · 4.625%
HK$78,773
+HK$3,944/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,658/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,578
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,960
−HK$2,420/mo
Today · 4.125%
HK$81,380
baseline
▲ 0.50% · 4.625%
HK$86,332
+HK$4,952/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$162,760/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,192
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,477
−HK$2,318/mo
Today · 4.125%
HK$89,795
baseline
▲ 0.50% · 4.625%
HK$94,528
+HK$4,733/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$179,590/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,341
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,120
−HK$2,824/mo
Today · 4.125%
HK$94,944
baseline
▲ 0.50% · 4.625%
HK$100,721
+HK$5,777/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$189,888/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,391
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,057
−HK$2,704/mo
Today · 4.125%
HK$104,761
baseline
▲ 0.50% · 4.625%
HK$110,283
+HK$5,522/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$209,522/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,867
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,440
−HK$3,630/mo
Today · 4.125%
HK$122,070
baseline
▲ 0.50% · 4.625%
HK$129,498
+HK$7,428/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$244,140/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,788
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,216
−HK$3,476/mo
Today · 4.125%
HK$134,692
baseline
▲ 0.50% · 4.625%
HK$141,792
+HK$7,100/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$269,384/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,401 · Scale 2, in force from 26 Feb 2026)