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$63,707
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,689
−HK$2,013/mo
Today · 4.125%
HK$67,702
baseline
▲ 0.50% · 4.625%
HK$71,822
+HK$4,120/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,404/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,874
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,774
−HK$1,929/mo
Today · 4.125%
HK$74,703
baseline
▲ 0.50% · 4.625%
HK$78,640
+HK$3,937/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,406/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,449
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,827
−HK$2,416/mo
Today · 4.125%
HK$81,243
baseline
▲ 0.50% · 4.625%
HK$86,186
+HK$4,943/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$162,486/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,048
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$87,329
−HK$2,314/mo
Today · 4.125%
HK$89,643
baseline
▲ 0.50% · 4.625%
HK$94,369
+HK$4,726/mo
Deposit HK$11.18M · loan HK$16.76M · min. income ≈ HK$179,286/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,190
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,964
−HK$2,819/mo
Today · 4.125%
HK$94,783
baseline
▲ 0.50% · 4.625%
HK$100,550
+HK$5,767/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,566/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,223
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,884
−HK$2,700/mo
Today · 4.125%
HK$104,584
baseline
▲ 0.50% · 4.625%
HK$110,097
+HK$5,513/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,168/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,673
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,240
−HK$3,624/mo
Today · 4.125%
HK$121,864
baseline
▲ 0.50% · 4.625%
HK$129,279
+HK$7,415/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,728/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,573
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,994
−HK$3,471/mo
Today · 4.125%
HK$134,465
baseline
▲ 0.50% · 4.625%
HK$141,553
+HK$7,088/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,930/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,392 · Scale 2, in force from 26 Feb 2026)