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$63,331
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,301
−HK$2,002/mo
Today · 4.125%
HK$67,303
baseline
▲ 0.50% · 4.625%
HK$71,398
+HK$4,095/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,606/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,456
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,345
−HK$1,917/mo
Today · 4.125%
HK$74,262
baseline
▲ 0.50% · 4.625%
HK$78,176
+HK$3,914/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,524/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,998
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,362
−HK$2,401/mo
Today · 4.125%
HK$80,763
baseline
▲ 0.50% · 4.625%
HK$85,678
+HK$4,915/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,526/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,547
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,814
−HK$2,300/mo
Today · 4.125%
HK$89,114
baseline
▲ 0.50% · 4.625%
HK$93,812
+HK$4,698/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,228/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,664
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,422
−HK$2,802/mo
Today · 4.125%
HK$94,224
baseline
▲ 0.50% · 4.625%
HK$99,957
+HK$5,733/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,448/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,638
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,283
−HK$2,684/mo
Today · 4.125%
HK$103,967
baseline
▲ 0.50% · 4.625%
HK$109,447
+HK$5,480/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,934/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,997
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$117,542
−HK$3,603/mo
Today · 4.125%
HK$121,145
baseline
▲ 0.50% · 4.625%
HK$128,517
+HK$7,372/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$242,290/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,820
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,221
−HK$3,451/mo
Today · 4.125%
HK$133,672
baseline
▲ 0.50% · 4.625%
HK$140,718
+HK$7,046/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$267,344/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,387 · Scale 2, in force from 26 Feb 2026)