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$63,564
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,541
−HK$2,009/mo
Today · 4.125%
HK$67,550
baseline
▲ 0.50% · 4.625%
HK$71,661
+HK$4,111/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,100/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,715
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,611
−HK$1,924/mo
Today · 4.125%
HK$74,535
baseline
▲ 0.50% · 4.625%
HK$78,464
+HK$3,929/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,070/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,277
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,650
−HK$2,410/mo
Today · 4.125%
HK$81,060
baseline
▲ 0.50% · 4.625%
HK$85,993
+HK$4,933/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,120/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,857
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,133
−HK$2,309/mo
Today · 4.125%
HK$89,442
baseline
▲ 0.50% · 4.625%
HK$94,157
+HK$4,715/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,884/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,990
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,758
−HK$2,812/mo
Today · 4.125%
HK$94,570
baseline
▲ 0.50% · 4.625%
HK$100,325
+HK$5,755/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,140/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,000
−HK$5,349/mo
▼ 0.25% · 3.875%
HK$101,656
−HK$2,693/mo
Today · 4.125%
HK$104,349
baseline
▲ 0.50% · 4.625%
HK$109,849
+HK$5,500/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,698/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,416
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$117,975
−HK$3,615/mo
Today · 4.125%
HK$121,590
baseline
▲ 0.50% · 4.625%
HK$128,989
+HK$7,399/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,180/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,286
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$130,700
−HK$3,463/mo
Today · 4.125%
HK$134,163
baseline
▲ 0.50% · 4.625%
HK$141,235
+HK$7,072/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,326/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,727 · Scale 2, in force from 26 Feb 2026)