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$63,607
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,586
−HK$2,010/mo
Today · 4.125%
HK$67,596
baseline
▲ 0.50% · 4.625%
HK$71,709
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,192/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,763
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,660
−HK$1,926/mo
Today · 4.125%
HK$74,586
baseline
▲ 0.50% · 4.625%
HK$78,517
+HK$3,931/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,172/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,329
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,703
−HK$2,412/mo
Today · 4.125%
HK$81,115
baseline
▲ 0.50% · 4.625%
HK$86,051
+HK$4,936/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,230/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,915
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,192
−HK$2,311/mo
Today · 4.125%
HK$89,503
baseline
▲ 0.50% · 4.625%
HK$94,221
+HK$4,718/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,006/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,050
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,820
−HK$2,815/mo
Today · 4.125%
HK$94,635
baseline
▲ 0.50% · 4.625%
HK$100,393
+HK$5,758/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,270/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,068
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,725
−HK$2,695/mo
Today · 4.125%
HK$104,420
baseline
▲ 0.50% · 4.625%
HK$109,924
+HK$5,504/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,840/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,493
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$118,055
−HK$3,618/mo
Today · 4.125%
HK$121,673
baseline
▲ 0.50% · 4.625%
HK$129,077
+HK$7,404/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,346/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,373
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$130,789
−HK$3,465/mo
Today · 4.125%
HK$134,254
baseline
▲ 0.50% · 4.625%
HK$141,331
+HK$7,077/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,508/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,531 · Scale 2, in force from 26 Feb 2026)