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$63,384
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,356
−HK$2,003/mo
Today · 4.125%
HK$67,359
baseline
▲ 0.50% · 4.625%
HK$71,458
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,718/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,515
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,406
−HK$1,918/mo
Today · 4.125%
HK$74,324
baseline
▲ 0.50% · 4.625%
HK$78,242
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,648/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,061
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,427
−HK$2,404/mo
Today · 4.125%
HK$80,831
baseline
▲ 0.50% · 4.625%
HK$85,749
+HK$4,918/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,662/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,617
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,887
−HK$2,302/mo
Today · 4.125%
HK$89,189
baseline
▲ 0.50% · 4.625%
HK$93,890
+HK$4,701/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,378/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,738
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,498
−HK$2,805/mo
Today · 4.125%
HK$94,303
baseline
▲ 0.50% · 4.625%
HK$100,041
+HK$5,738/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,606/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,720
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,368
−HK$2,686/mo
Today · 4.125%
HK$104,054
baseline
▲ 0.50% · 4.625%
HK$109,539
+HK$5,485/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,108/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,092
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,641
−HK$3,606/mo
Today · 4.125%
HK$121,247
baseline
▲ 0.50% · 4.625%
HK$128,624
+HK$7,377/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,494/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,926
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,330
−HK$3,454/mo
Today · 4.125%
HK$133,784
baseline
▲ 0.50% · 4.625%
HK$140,835
+HK$7,051/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,568/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,375 · Scale 2, in force from 26 Feb 2026)