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$63,713
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$2,014/mo
Today · 4.125%
HK$67,709
baseline
▲ 0.50% · 4.625%
HK$71,829
+HK$4,120/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,418/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,881
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,782
−HK$1,928/mo
Today · 4.125%
HK$74,710
baseline
▲ 0.50% · 4.625%
HK$78,648
+HK$3,938/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,420/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,456
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$78,834
−HK$2,417/mo
Today · 4.125%
HK$81,251
baseline
▲ 0.50% · 4.625%
HK$86,195
+HK$4,944/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$162,502/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,057
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,338
−HK$2,314/mo
Today · 4.125%
HK$89,652
baseline
▲ 0.50% · 4.625%
HK$94,378
+HK$4,726/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$179,304/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,199
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,973
−HK$2,819/mo
Today · 4.125%
HK$94,792
baseline
▲ 0.50% · 4.625%
HK$100,560
+HK$5,768/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,584/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,233
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,894
−HK$2,700/mo
Today · 4.125%
HK$104,594
baseline
▲ 0.50% · 4.625%
HK$110,107
+HK$5,513/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,188/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,684
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,252
−HK$3,624/mo
Today · 4.125%
HK$121,876
baseline
▲ 0.50% · 4.625%
HK$129,292
+HK$7,416/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,752/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,585
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,007
−HK$3,471/mo
Today · 4.125%
HK$134,478
baseline
▲ 0.50% · 4.625%
HK$141,567
+HK$7,089/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$268,956/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,508 · Scale 2, in force from 26 Feb 2026)