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$63,395
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,366
−HK$2,004/mo
Today · 4.125%
HK$67,370
baseline
▲ 0.50% · 4.625%
HK$71,469
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,740/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,526
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,417
−HK$1,919/mo
Today · 4.125%
HK$74,336
baseline
▲ 0.50% · 4.625%
HK$78,254
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,672/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,073
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,440
−HK$2,404/mo
Today · 4.125%
HK$80,844
baseline
▲ 0.50% · 4.625%
HK$85,763
+HK$4,919/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,688/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,631
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,901
−HK$2,302/mo
Today · 4.125%
HK$89,203
baseline
▲ 0.50% · 4.625%
HK$93,905
+HK$4,702/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,406/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,752
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,513
−HK$2,805/mo
Today · 4.125%
HK$94,318
baseline
▲ 0.50% · 4.625%
HK$100,057
+HK$5,739/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,636/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,736
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,384
−HK$2,686/mo
Today · 4.125%
HK$104,070
baseline
▲ 0.50% · 4.625%
HK$109,556
+HK$5,486/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,140/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,110
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$117,660
−HK$3,606/mo
Today · 4.125%
HK$121,266
baseline
▲ 0.50% · 4.625%
HK$128,645
+HK$7,379/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,532/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,946
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,351
−HK$3,454/mo
Today · 4.125%
HK$133,805
baseline
▲ 0.50% · 4.625%
HK$140,858
+HK$7,053/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,610/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,563 · Scale 2, in force from 26 Feb 2026)