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$63,745
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,728
−HK$2,014/mo
Today · 4.125%
HK$67,742
baseline
▲ 0.50% · 4.625%
HK$71,864
+HK$4,122/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,484/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,916
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,818
−HK$1,929/mo
Today · 4.125%
HK$74,747
baseline
▲ 0.50% · 4.625%
HK$78,687
+HK$3,940/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,494/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,494
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,873
−HK$2,418/mo
Today · 4.125%
HK$81,291
baseline
▲ 0.50% · 4.625%
HK$86,237
+HK$4,946/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,582/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,099
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,381
−HK$2,315/mo
Today · 4.125%
HK$89,696
baseline
▲ 0.50% · 4.625%
HK$94,424
+HK$4,728/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,392/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,243
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,019
−HK$2,820/mo
Today · 4.125%
HK$94,839
baseline
▲ 0.50% · 4.625%
HK$100,610
+HK$5,771/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,678/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,282
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,945
−HK$2,701/mo
Today · 4.125%
HK$104,646
baseline
▲ 0.50% · 4.625%
HK$110,162
+HK$5,516/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,292/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,741
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$118,310
−HK$3,626/mo
Today · 4.125%
HK$121,936
baseline
▲ 0.50% · 4.625%
HK$129,356
+HK$7,420/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,872/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,648
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$131,072
−HK$3,472/mo
Today · 4.125%
HK$134,544
baseline
▲ 0.50% · 4.625%
HK$141,637
+HK$7,093/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,088/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,095 · Scale 2, in force from 26 Feb 2026)