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$63,698
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,679
−HK$2,013/mo
Today · 4.125%
HK$67,692
baseline
▲ 0.50% · 4.625%
HK$71,811
+HK$4,119/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,384/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,863
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,763
−HK$1,928/mo
Today · 4.125%
HK$74,691
baseline
▲ 0.50% · 4.625%
HK$78,629
+HK$3,938/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,382/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,437
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,815
−HK$2,415/mo
Today · 4.125%
HK$81,230
baseline
▲ 0.50% · 4.625%
HK$86,173
+HK$4,943/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,460/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,036
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,316
−HK$2,314/mo
Today · 4.125%
HK$89,630
baseline
▲ 0.50% · 4.625%
HK$94,354
+HK$4,724/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,260/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,177
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,951
−HK$2,818/mo
Today · 4.125%
HK$94,769
baseline
▲ 0.50% · 4.625%
HK$100,535
+HK$5,766/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,538/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,208
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,869
−HK$2,699/mo
Today · 4.125%
HK$104,568
baseline
▲ 0.50% · 4.625%
HK$110,080
+HK$5,512/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,136/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,656
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,222
−HK$3,624/mo
Today · 4.125%
HK$121,846
baseline
▲ 0.50% · 4.625%
HK$129,260
+HK$7,414/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,692/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,553
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,974
−HK$3,471/mo
Today · 4.125%
HK$134,445
baseline
▲ 0.50% · 4.625%
HK$141,531
+HK$7,086/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,890/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,212 · Scale 2, in force from 26 Feb 2026)