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$63,433
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,406
−HK$2,004/mo
Today · 4.125%
HK$67,410
baseline
▲ 0.50% · 4.625%
HK$71,512
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,820/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,568
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,461
−HK$1,920/mo
Today · 4.125%
HK$74,381
baseline
▲ 0.50% · 4.625%
HK$78,302
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,762/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,119
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,487
−HK$2,406/mo
Today · 4.125%
HK$80,893
baseline
▲ 0.50% · 4.625%
HK$85,815
+HK$4,922/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,786/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,682
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,953
−HK$2,304/mo
Today · 4.125%
HK$89,257
baseline
▲ 0.50% · 4.625%
HK$93,962
+HK$4,705/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,514/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,806
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,568
−HK$2,807/mo
Today · 4.125%
HK$94,375
baseline
▲ 0.50% · 4.625%
HK$100,117
+HK$5,742/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$188,750/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,795
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,445
−HK$2,688/mo
Today · 4.125%
HK$104,133
baseline
▲ 0.50% · 4.625%
HK$109,622
+HK$5,489/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$208,266/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,179
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,730
−HK$3,609/mo
Today · 4.125%
HK$121,339
baseline
▲ 0.50% · 4.625%
HK$128,722
+HK$7,383/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,678/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,023
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,429
−HK$3,456/mo
Today · 4.125%
HK$133,885
baseline
▲ 0.50% · 4.625%
HK$140,943
+HK$7,058/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,770/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,275 · Scale 2, in force from 26 Feb 2026)