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$63,426
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,399
−HK$2,005/mo
Today · 4.125%
HK$67,404
baseline
▲ 0.50% · 4.625%
HK$71,505
+HK$4,101/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,808/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,561
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,454
−HK$1,919/mo
Today · 4.125%
HK$74,373
baseline
▲ 0.50% · 4.625%
HK$78,294
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,746/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,112
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,479
−HK$2,406/mo
Today · 4.125%
HK$80,885
baseline
▲ 0.50% · 4.625%
HK$85,806
+HK$4,921/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,770/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,673
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,944
−HK$2,304/mo
Today · 4.125%
HK$89,248
baseline
▲ 0.50% · 4.625%
HK$93,952
+HK$4,704/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,496/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,797
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,559
−HK$2,806/mo
Today · 4.125%
HK$94,365
baseline
▲ 0.50% · 4.625%
HK$100,107
+HK$5,742/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,730/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,786
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,435
−HK$2,688/mo
Today · 4.125%
HK$104,123
baseline
▲ 0.50% · 4.625%
HK$109,611
+HK$5,488/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,246/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,167
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,719
−HK$3,608/mo
Today · 4.125%
HK$121,327
baseline
▲ 0.50% · 4.625%
HK$128,709
+HK$7,382/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,654/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,010
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,417
−HK$3,455/mo
Today · 4.125%
HK$133,872
baseline
▲ 0.50% · 4.625%
HK$140,929
+HK$7,057/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,744/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,158 · Scale 2, in force from 26 Feb 2026)