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$63,496
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,471
−HK$2,007/mo
Today · 4.125%
HK$67,478
baseline
▲ 0.50% · 4.625%
HK$71,584
+HK$4,106/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,956/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,639
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,533
−HK$1,922/mo
Today · 4.125%
HK$74,455
baseline
▲ 0.50% · 4.625%
HK$78,380
+HK$3,925/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,910/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,195
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,565
−HK$2,408/mo
Today · 4.125%
HK$80,973
baseline
▲ 0.50% · 4.625%
HK$85,900
+HK$4,927/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,946/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,766
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,040
−HK$2,306/mo
Today · 4.125%
HK$89,346
baseline
▲ 0.50% · 4.625%
HK$94,056
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,692/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,894
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,660
−HK$2,809/mo
Today · 4.125%
HK$94,469
baseline
▲ 0.50% · 4.625%
HK$100,217
+HK$5,748/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,938/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,894
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,547
−HK$2,690/mo
Today · 4.125%
HK$104,237
baseline
▲ 0.50% · 4.625%
HK$109,732
+HK$5,495/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,474/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,293
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,848
−HK$3,612/mo
Today · 4.125%
HK$121,460
baseline
▲ 0.50% · 4.625%
HK$128,851
+HK$7,391/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,920/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,150
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$130,560
−HK$3,459/mo
Today · 4.125%
HK$134,019
baseline
▲ 0.50% · 4.625%
HK$141,084
+HK$7,065/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,038/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,456 · Scale 2, in force from 26 Feb 2026)