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$63,638
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,618
−HK$2,011/mo
Today · 4.125%
HK$67,629
baseline
▲ 0.50% · 4.625%
HK$71,744
+HK$4,115/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,258/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,797
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,696
−HK$1,926/mo
Today · 4.125%
HK$74,622
baseline
▲ 0.50% · 4.625%
HK$78,555
+HK$3,933/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,244/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,366
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,741
−HK$2,414/mo
Today · 4.125%
HK$81,155
baseline
▲ 0.50% · 4.625%
HK$86,093
+HK$4,938/mo
Deposit HK$11.16M · loan HK$16.75M · min. income ≈ HK$162,310/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,956
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,235
−HK$2,311/mo
Today · 4.125%
HK$89,546
baseline
▲ 0.50% · 4.625%
HK$94,266
+HK$4,720/mo
Deposit HK$11.16M · loan HK$16.75M · min. income ≈ HK$179,092/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,094
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,865
−HK$2,815/mo
Today · 4.125%
HK$94,680
baseline
▲ 0.50% · 4.625%
HK$100,442
+HK$5,762/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$189,360/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,116
−HK$5,355/mo
▼ 0.25% · 3.875%
HK$101,774
−HK$2,697/mo
Today · 4.125%
HK$104,471
baseline
▲ 0.50% · 4.625%
HK$109,977
+HK$5,506/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$208,942/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,549
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$118,112
−HK$3,620/mo
Today · 4.125%
HK$121,732
baseline
▲ 0.50% · 4.625%
HK$129,139
+HK$7,407/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$243,464/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,434
−HK$6,885/mo
▼ 0.25% · 3.875%
HK$130,852
−HK$3,467/mo
Today · 4.125%
HK$134,319
baseline
▲ 0.50% · 4.625%
HK$141,399
+HK$7,080/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$268,638/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,106 · Scale 2, in force from 26 Feb 2026)