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$63,659
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,639
−HK$2,012/mo
Today · 4.125%
HK$67,651
baseline
▲ 0.50% · 4.625%
HK$71,767
+HK$4,116/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,302/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,820
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,719
−HK$1,927/mo
Today · 4.125%
HK$74,646
baseline
▲ 0.50% · 4.625%
HK$78,581
+HK$3,935/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,292/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,391
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,767
−HK$2,414/mo
Today · 4.125%
HK$81,181
baseline
▲ 0.50% · 4.625%
HK$86,121
+HK$4,940/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,362/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,984
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,263
−HK$2,312/mo
Today · 4.125%
HK$89,575
baseline
▲ 0.50% · 4.625%
HK$94,297
+HK$4,722/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,150/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,123
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$91,895
−HK$2,816/mo
Today · 4.125%
HK$94,711
baseline
▲ 0.50% · 4.625%
HK$100,474
+HK$5,763/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$189,422/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,148
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,807
−HK$2,698/mo
Today · 4.125%
HK$104,505
baseline
▲ 0.50% · 4.625%
HK$110,013
+HK$5,508/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$209,010/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,586
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,150
−HK$3,622/mo
Today · 4.125%
HK$121,772
baseline
▲ 0.50% · 4.625%
HK$129,181
+HK$7,409/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,544/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,476
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,895
−HK$3,468/mo
Today · 4.125%
HK$134,363
baseline
▲ 0.50% · 4.625%
HK$141,446
+HK$7,083/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,726/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,493 · Scale 2, in force from 26 Feb 2026)