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$63,513
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,489
−HK$2,007/mo
Today · 4.125%
HK$67,496
baseline
▲ 0.50% · 4.625%
HK$71,603
+HK$4,107/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$134,992/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,658
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,553
−HK$1,922/mo
Today · 4.125%
HK$74,475
baseline
▲ 0.50% · 4.625%
HK$78,401
+HK$3,926/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,950/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,216
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,587
−HK$2,408/mo
Today · 4.125%
HK$80,995
baseline
▲ 0.50% · 4.625%
HK$85,924
+HK$4,929/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,990/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,183,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,790
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,064
−HK$2,306/mo
Today · 4.125%
HK$89,370
baseline
▲ 0.50% · 4.625%
HK$94,081
+HK$4,711/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,740/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,183,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,919
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$91,685
−HK$2,810/mo
Today · 4.125%
HK$94,495
baseline
▲ 0.50% · 4.625%
HK$100,244
+HK$5,749/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$188,990/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,921
−HK$5,345/mo
▼ 0.25% · 3.875%
HK$101,574
−HK$2,692/mo
Today · 4.125%
HK$104,266
baseline
▲ 0.50% · 4.625%
HK$109,762
+HK$5,496/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,532/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,324
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,880
−HK$3,613/mo
Today · 4.125%
HK$121,493
baseline
▲ 0.50% · 4.625%
HK$128,886
+HK$7,393/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$242,986/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,184
−HK$6,872/mo
▼ 0.25% · 3.875%
HK$130,595
−HK$3,461/mo
Today · 4.125%
HK$134,056
baseline
▲ 0.50% · 4.625%
HK$141,122
+HK$7,066/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,112/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,778 · Scale 2, in force from 26 Feb 2026)