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$63,568
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,545
−HK$2,009/mo
Today · 4.125%
HK$67,554
baseline
▲ 0.50% · 4.625%
HK$71,664
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,108/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,718
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,615
−HK$1,924/mo
Today · 4.125%
HK$74,539
baseline
▲ 0.50% · 4.625%
HK$78,468
+HK$3,929/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,078/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,281
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,654
−HK$2,411/mo
Today · 4.125%
HK$81,065
baseline
▲ 0.50% · 4.625%
HK$85,997
+HK$4,932/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,130/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,862
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,138
−HK$2,309/mo
Today · 4.125%
HK$89,447
baseline
▲ 0.50% · 4.625%
HK$94,162
+HK$4,715/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,894/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,995
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,763
−HK$2,813/mo
Today · 4.125%
HK$94,576
baseline
▲ 0.50% · 4.625%
HK$100,330
+HK$5,754/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,152/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,006
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,661
−HK$2,694/mo
Today · 4.125%
HK$104,355
baseline
▲ 0.50% · 4.625%
HK$109,856
+HK$5,501/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,710/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,422
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$117,981
−HK$3,616/mo
Today · 4.125%
HK$121,597
baseline
▲ 0.50% · 4.625%
HK$128,996
+HK$7,399/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,194/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,293
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$130,707
−HK$3,463/mo
Today · 4.125%
HK$134,170
baseline
▲ 0.50% · 4.625%
HK$141,243
+HK$7,073/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,340/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,792 · Scale 2, in force from 26 Feb 2026)