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$63,784
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,768
−HK$2,015/mo
Today · 4.125%
HK$67,783
baseline
▲ 0.50% · 4.625%
HK$71,908
+HK$4,125/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,566/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,959
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,862
−HK$1,930/mo
Today · 4.125%
HK$74,792
baseline
▲ 0.50% · 4.625%
HK$78,735
+HK$3,943/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,584/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,540
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$78,921
−HK$2,419/mo
Today · 4.125%
HK$81,340
baseline
▲ 0.50% · 4.625%
HK$86,290
+HK$4,950/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,680/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,150
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,434
−HK$2,317/mo
Today · 4.125%
HK$89,751
baseline
▲ 0.50% · 4.625%
HK$94,482
+HK$4,731/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,502/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,297
−HK$5,600/mo
▼ 0.25% · 3.875%
HK$92,075
−HK$2,822/mo
Today · 4.125%
HK$94,897
baseline
▲ 0.50% · 4.625%
HK$100,671
+HK$5,774/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,794/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,342
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$102,007
−HK$2,702/mo
Today · 4.125%
HK$104,709
baseline
▲ 0.50% · 4.625%
HK$110,229
+HK$5,520/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,418/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,811
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,382
−HK$3,628/mo
Today · 4.125%
HK$122,010
baseline
▲ 0.50% · 4.625%
HK$129,434
+HK$7,424/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$244,020/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,726
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,151
−HK$3,475/mo
Today · 4.125%
HK$134,626
baseline
▲ 0.50% · 4.625%
HK$141,723
+HK$7,097/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,252/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,817 · Scale 2, in force from 26 Feb 2026)