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$63,410
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,382
−HK$2,004/mo
Today · 4.125%
HK$67,386
baseline
▲ 0.50% · 4.625%
HK$71,487
+HK$4,101/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,772/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,543
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,435
−HK$1,919/mo
Today · 4.125%
HK$74,354
baseline
▲ 0.50% · 4.625%
HK$78,273
+HK$3,919/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,708/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,092
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,459
−HK$2,405/mo
Today · 4.125%
HK$80,864
baseline
▲ 0.50% · 4.625%
HK$85,784
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,728/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,652
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,922
−HK$2,303/mo
Today · 4.125%
HK$89,225
baseline
▲ 0.50% · 4.625%
HK$93,928
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,450/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,774
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,535
−HK$2,806/mo
Today · 4.125%
HK$94,341
baseline
▲ 0.50% · 4.625%
HK$100,081
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,682/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,760
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,409
−HK$2,687/mo
Today · 4.125%
HK$104,096
baseline
▲ 0.50% · 4.625%
HK$109,583
+HK$5,487/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,192/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,138
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,688
−HK$3,607/mo
Today · 4.125%
HK$121,295
baseline
▲ 0.50% · 4.625%
HK$128,676
+HK$7,381/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,590/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,977
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,383
−HK$3,454/mo
Today · 4.125%
HK$133,837
baseline
▲ 0.50% · 4.625%
HK$140,892
+HK$7,055/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,674/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,852 · Scale 2, in force from 26 Feb 2026)