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$63,742
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,725
−HK$2,015/mo
Today · 4.125%
HK$67,740
baseline
▲ 0.50% · 4.625%
HK$71,861
+HK$4,121/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,480/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,913
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,815
−HK$1,929/mo
Today · 4.125%
HK$74,744
baseline
▲ 0.50% · 4.625%
HK$78,684
+HK$3,940/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,488/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,491
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,870
−HK$2,418/mo
Today · 4.125%
HK$81,288
baseline
▲ 0.50% · 4.625%
HK$86,234
+HK$4,946/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,576/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,095
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$87,378
−HK$2,315/mo
Today · 4.125%
HK$89,693
baseline
▲ 0.50% · 4.625%
HK$94,421
+HK$4,728/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,386/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,239
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,015
−HK$2,820/mo
Today · 4.125%
HK$94,835
baseline
▲ 0.50% · 4.625%
HK$100,606
+HK$5,771/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,670/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,278
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,941
−HK$2,701/mo
Today · 4.125%
HK$104,642
baseline
▲ 0.50% · 4.625%
HK$110,157
+HK$5,515/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,284/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,736
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$118,305
−HK$3,626/mo
Today · 4.125%
HK$121,931
baseline
▲ 0.50% · 4.625%
HK$129,351
+HK$7,420/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,862/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,643
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$131,066
−HK$3,473/mo
Today · 4.125%
HK$134,539
baseline
▲ 0.50% · 4.625%
HK$141,631
+HK$7,092/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,078/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,048 · Scale 2, in force from 26 Feb 2026)