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$63,387
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,359
−HK$2,003/mo
Today · 4.125%
HK$67,362
baseline
▲ 0.50% · 4.625%
HK$71,461
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,724/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,518
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,409
−HK$1,919/mo
Today · 4.125%
HK$74,328
baseline
▲ 0.50% · 4.625%
HK$78,246
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,656/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,065
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,431
−HK$2,404/mo
Today · 4.125%
HK$80,835
baseline
▲ 0.50% · 4.625%
HK$85,753
+HK$4,918/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,670/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,621
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,891
−HK$2,302/mo
Today · 4.125%
HK$89,193
baseline
▲ 0.50% · 4.625%
HK$93,895
+HK$4,702/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,386/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,742
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,503
−HK$2,804/mo
Today · 4.125%
HK$94,307
baseline
▲ 0.50% · 4.625%
HK$100,046
+HK$5,739/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,614/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,725
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,373
−HK$2,686/mo
Today · 4.125%
HK$104,059
baseline
▲ 0.50% · 4.625%
HK$109,544
+HK$5,485/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,118/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,097
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,646
−HK$3,606/mo
Today · 4.125%
HK$121,252
baseline
▲ 0.50% · 4.625%
HK$128,630
+HK$7,378/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,504/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,932
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,336
−HK$3,454/mo
Today · 4.125%
HK$133,790
baseline
▲ 0.50% · 4.625%
HK$140,842
+HK$7,052/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,580/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,429 · Scale 2, in force from 26 Feb 2026)