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$63,814
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,799
−HK$2,017/mo
Today · 4.125%
HK$67,816
baseline
▲ 0.50% · 4.625%
HK$71,943
+HK$4,127/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,632/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,993
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,897
−HK$1,931/mo
Today · 4.125%
HK$74,828
baseline
▲ 0.50% · 4.625%
HK$78,773
+HK$3,945/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,656/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,577
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,959
−HK$2,420/mo
Today · 4.125%
HK$81,379
baseline
▲ 0.50% · 4.625%
HK$86,331
+HK$4,952/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$162,758/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,191
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,476
−HK$2,318/mo
Today · 4.125%
HK$89,794
baseline
▲ 0.50% · 4.625%
HK$94,527
+HK$4,733/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$179,588/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,340
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,119
−HK$2,823/mo
Today · 4.125%
HK$94,942
baseline
▲ 0.50% · 4.625%
HK$100,720
+HK$5,778/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$189,884/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,390
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,056
−HK$2,704/mo
Today · 4.125%
HK$104,760
baseline
▲ 0.50% · 4.625%
HK$110,282
+HK$5,522/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$209,520/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,866
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,439
−HK$3,630/mo
Today · 4.125%
HK$122,069
baseline
▲ 0.50% · 4.625%
HK$129,497
+HK$7,428/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$244,138/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,787
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,214
−HK$3,477/mo
Today · 4.125%
HK$134,691
baseline
▲ 0.50% · 4.625%
HK$141,791
+HK$7,100/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$269,382/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,388 · Scale 2, in force from 26 Feb 2026)