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$63,747
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,730
−HK$2,014/mo
Today · 4.125%
HK$67,744
baseline
▲ 0.50% · 4.625%
HK$71,866
+HK$4,122/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,488/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,918
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,820
−HK$1,929/mo
Today · 4.125%
HK$74,749
baseline
▲ 0.50% · 4.625%
HK$78,689
+HK$3,940/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,498/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,496
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,876
−HK$2,417/mo
Today · 4.125%
HK$81,293
baseline
▲ 0.50% · 4.625%
HK$86,240
+HK$4,947/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,586/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,101
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,384
−HK$2,315/mo
Today · 4.125%
HK$89,699
baseline
▲ 0.50% · 4.625%
HK$94,427
+HK$4,728/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,398/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,246
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,022
−HK$2,820/mo
Today · 4.125%
HK$94,842
baseline
▲ 0.50% · 4.625%
HK$100,613
+HK$5,771/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,684/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,285
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,948
−HK$2,701/mo
Today · 4.125%
HK$104,649
baseline
▲ 0.50% · 4.625%
HK$110,165
+HK$5,516/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,298/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,744
−HK$7,196/mo
▼ 0.25% · 3.875%
HK$118,314
−HK$3,626/mo
Today · 4.125%
HK$121,940
baseline
▲ 0.50% · 4.625%
HK$129,360
+HK$7,420/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,880/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,652
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$131,075
−HK$3,474/mo
Today · 4.125%
HK$134,549
baseline
▲ 0.50% · 4.625%
HK$141,641
+HK$7,092/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,098/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,131 · Scale 2, in force from 26 Feb 2026)