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$63,334
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,304
−HK$2,001/mo
Today · 4.125%
HK$67,305
baseline
▲ 0.50% · 4.625%
HK$71,400
+HK$4,095/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,610/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,458
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,348
−HK$1,917/mo
Today · 4.125%
HK$74,265
baseline
▲ 0.50% · 4.625%
HK$78,179
+HK$3,914/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,530/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,000
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,364
−HK$2,402/mo
Today · 4.125%
HK$80,766
baseline
▲ 0.50% · 4.625%
HK$85,681
+HK$4,915/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,532/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,550
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,817
−HK$2,300/mo
Today · 4.125%
HK$89,117
baseline
▲ 0.50% · 4.625%
HK$93,815
+HK$4,698/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,234/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,667
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,425
−HK$2,802/mo
Today · 4.125%
HK$94,227
baseline
▲ 0.50% · 4.625%
HK$99,961
+HK$5,734/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,454/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,641
−HK$5,329/mo
▼ 0.25% · 3.875%
HK$101,287
−HK$2,683/mo
Today · 4.125%
HK$103,970
baseline
▲ 0.50% · 4.625%
HK$109,451
+HK$5,481/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,940/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,000
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$117,546
−HK$3,603/mo
Today · 4.125%
HK$121,149
baseline
▲ 0.50% · 4.625%
HK$128,521
+HK$7,372/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$242,298/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,824
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,226
−HK$3,450/mo
Today · 4.125%
HK$133,676
baseline
▲ 0.50% · 4.625%
HK$140,722
+HK$7,046/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$267,352/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,427 · Scale 2, in force from 26 Feb 2026)