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$63,777
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,760
−HK$2,016/mo
Today · 4.125%
HK$67,776
baseline
▲ 0.50% · 4.625%
HK$71,900
+HK$4,124/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,552/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,951
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,854
−HK$1,930/mo
Today · 4.125%
HK$74,784
baseline
▲ 0.50% · 4.625%
HK$78,726
+HK$3,942/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,568/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,532
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,913
−HK$2,418/mo
Today · 4.125%
HK$81,331
baseline
▲ 0.50% · 4.625%
HK$86,280
+HK$4,949/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,662/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,141
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,424
−HK$2,317/mo
Today · 4.125%
HK$89,741
baseline
▲ 0.50% · 4.625%
HK$94,471
+HK$4,730/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,482/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,287
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,065
−HK$2,821/mo
Today · 4.125%
HK$94,886
baseline
▲ 0.50% · 4.625%
HK$100,660
+HK$5,774/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,772/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,331
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,995
−HK$2,703/mo
Today · 4.125%
HK$104,698
baseline
▲ 0.50% · 4.625%
HK$110,217
+HK$5,519/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,396/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,798
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,369
−HK$3,628/mo
Today · 4.125%
HK$121,997
baseline
▲ 0.50% · 4.625%
HK$129,420
+HK$7,423/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$243,994/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,712
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,137
−HK$3,474/mo
Today · 4.125%
HK$134,611
baseline
▲ 0.50% · 4.625%
HK$141,707
+HK$7,096/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,222/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,685 · Scale 2, in force from 26 Feb 2026)