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$63,686
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,667
−HK$2,013/mo
Today · 4.125%
HK$67,680
baseline
▲ 0.50% · 4.625%
HK$71,798
+HK$4,118/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,360/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,850
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,750
−HK$1,928/mo
Today · 4.125%
HK$74,678
baseline
▲ 0.50% · 4.625%
HK$78,614
+HK$3,936/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,356/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,423
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,800
−HK$2,416/mo
Today · 4.125%
HK$81,216
baseline
▲ 0.50% · 4.625%
HK$86,157
+HK$4,941/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,432/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,020
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$87,300
−HK$2,313/mo
Today · 4.125%
HK$89,613
baseline
▲ 0.50% · 4.625%
HK$94,337
+HK$4,724/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,226/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,186,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,160
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,934
−HK$2,818/mo
Today · 4.125%
HK$94,752
baseline
▲ 0.50% · 4.625%
HK$100,517
+HK$5,765/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,504/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,186,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,190
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,850
−HK$2,699/mo
Today · 4.125%
HK$104,549
baseline
▲ 0.50% · 4.625%
HK$110,060
+HK$5,511/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,098/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,186,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,635
−HK$7,188/mo
▼ 0.25% · 3.875%
HK$118,201
−HK$3,622/mo
Today · 4.125%
HK$121,823
baseline
▲ 0.50% · 4.625%
HK$129,236
+HK$7,413/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,646/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,530
−HK$6,890/mo
▼ 0.25% · 3.875%
HK$130,950
−HK$3,470/mo
Today · 4.125%
HK$134,420
baseline
▲ 0.50% · 4.625%
HK$141,506
+HK$7,086/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,840/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,996 · Scale 2, in force from 26 Feb 2026)