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$63,498
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,473
−HK$2,006/mo
Today · 4.125%
HK$67,479
baseline
▲ 0.50% · 4.625%
HK$71,585
+HK$4,106/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,958/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,640
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,535
−HK$1,922/mo
Today · 4.125%
HK$74,457
baseline
▲ 0.50% · 4.625%
HK$78,382
+HK$3,925/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,914/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,197
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,567
−HK$2,408/mo
Today · 4.125%
HK$80,975
baseline
▲ 0.50% · 4.625%
HK$85,902
+HK$4,927/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,950/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,768
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,042
−HK$2,306/mo
Today · 4.125%
HK$89,348
baseline
▲ 0.50% · 4.625%
HK$94,058
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,696/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,897
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,662
−HK$2,809/mo
Today · 4.125%
HK$94,471
baseline
▲ 0.50% · 4.625%
HK$100,219
+HK$5,748/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,942/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,896
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,549
−HK$2,691/mo
Today · 4.125%
HK$104,240
baseline
▲ 0.50% · 4.625%
HK$109,734
+HK$5,494/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,480/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,296
−HK$7,167/mo
▼ 0.25% · 3.875%
HK$117,851
−HK$3,612/mo
Today · 4.125%
HK$121,463
baseline
▲ 0.50% · 4.625%
HK$128,854
+HK$7,391/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,926/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,153
−HK$6,869/mo
▼ 0.25% · 3.875%
HK$130,563
−HK$3,459/mo
Today · 4.125%
HK$134,022
baseline
▲ 0.50% · 4.625%
HK$141,087
+HK$7,065/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,044/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,483 · Scale 2, in force from 26 Feb 2026)