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$63,492
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,467
−HK$2,007/mo
Today · 4.125%
HK$67,474
baseline
▲ 0.50% · 4.625%
HK$71,580
+HK$4,106/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,948/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,635
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,529
−HK$1,922/mo
Today · 4.125%
HK$74,451
baseline
▲ 0.50% · 4.625%
HK$78,375
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,902/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,191
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,561
−HK$2,408/mo
Today · 4.125%
HK$80,969
baseline
▲ 0.50% · 4.625%
HK$85,896
+HK$4,927/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,938/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,762
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,035
−HK$2,306/mo
Today · 4.125%
HK$89,341
baseline
▲ 0.50% · 4.625%
HK$94,050
+HK$4,709/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,682/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,889
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,654
−HK$2,810/mo
Today · 4.125%
HK$94,464
baseline
▲ 0.50% · 4.625%
HK$100,211
+HK$5,747/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,928/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,889
−HK$5,342/mo
▼ 0.25% · 3.875%
HK$101,541
−HK$2,690/mo
Today · 4.125%
HK$104,231
baseline
▲ 0.50% · 4.625%
HK$109,725
+HK$5,494/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,462/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,286
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,841
−HK$3,612/mo
Today · 4.125%
HK$121,453
baseline
▲ 0.50% · 4.625%
HK$128,843
+HK$7,390/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,906/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,142
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$130,552
−HK$3,460/mo
Today · 4.125%
HK$134,012
baseline
▲ 0.50% · 4.625%
HK$141,075
+HK$7,063/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,024/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,388 · Scale 2, in force from 26 Feb 2026)