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$63,397
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,369
−HK$2,004/mo
Today · 4.125%
HK$67,373
baseline
▲ 0.50% · 4.625%
HK$71,472
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,746/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,529
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,420
−HK$1,919/mo
Today · 4.125%
HK$74,339
baseline
▲ 0.50% · 4.625%
HK$78,258
+HK$3,919/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,678/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,077
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,443
−HK$2,404/mo
Today · 4.125%
HK$80,847
baseline
▲ 0.50% · 4.625%
HK$85,767
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,694/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,635
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,904
−HK$2,303/mo
Today · 4.125%
HK$89,207
baseline
▲ 0.50% · 4.625%
HK$93,909
+HK$4,702/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,414/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,756
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,517
−HK$2,805/mo
Today · 4.125%
HK$94,322
baseline
▲ 0.50% · 4.625%
HK$100,061
+HK$5,739/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,644/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,740
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,388
−HK$2,687/mo
Today · 4.125%
HK$104,075
baseline
▲ 0.50% · 4.625%
HK$109,561
+HK$5,486/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,150/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,115
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$117,665
−HK$3,606/mo
Today · 4.125%
HK$121,271
baseline
▲ 0.50% · 4.625%
HK$128,650
+HK$7,379/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,542/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,952
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,357
−HK$3,454/mo
Today · 4.125%
HK$133,811
baseline
▲ 0.50% · 4.625%
HK$140,864
+HK$7,053/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,622/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,615 · Scale 2, in force from 26 Feb 2026)