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$63,590
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,568
−HK$2,009/mo
Today · 4.125%
HK$67,577
baseline
▲ 0.50% · 4.625%
HK$71,689
+HK$4,112/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,154/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,743
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,640
−HK$1,925/mo
Today · 4.125%
HK$74,565
baseline
▲ 0.50% · 4.625%
HK$78,495
+HK$3,930/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,130/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,308
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,681
−HK$2,412/mo
Today · 4.125%
HK$81,093
baseline
▲ 0.50% · 4.625%
HK$86,027
+HK$4,934/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,186/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,891
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,168
−HK$2,310/mo
Today · 4.125%
HK$89,478
baseline
▲ 0.50% · 4.625%
HK$94,194
+HK$4,716/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,956/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,025
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,795
−HK$2,813/mo
Today · 4.125%
HK$94,608
baseline
▲ 0.50% · 4.625%
HK$100,365
+HK$5,757/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,216/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,040
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,696
−HK$2,695/mo
Today · 4.125%
HK$104,391
baseline
▲ 0.50% · 4.625%
HK$109,893
+HK$5,502/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,782/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,461
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,022
−HK$3,617/mo
Today · 4.125%
HK$121,639
baseline
▲ 0.50% · 4.625%
HK$129,040
+HK$7,401/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,278/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,337
−HK$6,880/mo
▼ 0.25% · 3.875%
HK$130,752
−HK$3,465/mo
Today · 4.125%
HK$134,217
baseline
▲ 0.50% · 4.625%
HK$141,291
+HK$7,074/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,434/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,199 · Scale 2, in force from 26 Feb 2026)