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$63,744
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,727
−HK$2,015/mo
Today · 4.125%
HK$67,742
baseline
▲ 0.50% · 4.625%
HK$71,863
+HK$4,121/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,484/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,915
−HK$3,831/mo
▼ 0.25% · 3.875%
HK$72,817
−HK$1,929/mo
Today · 4.125%
HK$74,746
baseline
▲ 0.50% · 4.625%
HK$78,686
+HK$3,940/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,492/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,493
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,872
−HK$2,418/mo
Today · 4.125%
HK$81,290
baseline
▲ 0.50% · 4.625%
HK$86,236
+HK$4,946/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,580/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,098
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,380
−HK$2,315/mo
Today · 4.125%
HK$89,695
baseline
▲ 0.50% · 4.625%
HK$94,423
+HK$4,728/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,390/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,242
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,018
−HK$2,820/mo
Today · 4.125%
HK$94,838
baseline
▲ 0.50% · 4.625%
HK$100,609
+HK$5,771/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,676/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,281
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,943
−HK$2,702/mo
Today · 4.125%
HK$104,645
baseline
▲ 0.50% · 4.625%
HK$110,161
+HK$5,516/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,290/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,740
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$118,309
−HK$3,626/mo
Today · 4.125%
HK$121,935
baseline
▲ 0.50% · 4.625%
HK$129,354
+HK$7,419/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,870/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,647
−HK$6,896/mo
▼ 0.25% · 3.875%
HK$131,070
−HK$3,473/mo
Today · 4.125%
HK$134,543
baseline
▲ 0.50% · 4.625%
HK$141,635
+HK$7,092/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,086/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,082 · Scale 2, in force from 26 Feb 2026)