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$63,391
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,363
−HK$2,003/mo
Today · 4.125%
HK$67,366
baseline
▲ 0.50% · 4.625%
HK$71,465
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,732/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,522
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,413
−HK$1,919/mo
Today · 4.125%
HK$74,332
baseline
▲ 0.50% · 4.625%
HK$78,250
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,664/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,069
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$78,435
−HK$2,404/mo
Today · 4.125%
HK$80,839
baseline
▲ 0.50% · 4.625%
HK$85,758
+HK$4,919/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,678/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,626
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,896
−HK$2,302/mo
Today · 4.125%
HK$89,198
baseline
▲ 0.50% · 4.625%
HK$93,900
+HK$4,702/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,396/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,747
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,508
−HK$2,804/mo
Today · 4.125%
HK$94,312
baseline
▲ 0.50% · 4.625%
HK$100,051
+HK$5,739/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,624/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,730
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,378
−HK$2,686/mo
Today · 4.125%
HK$104,064
baseline
▲ 0.50% · 4.625%
HK$109,550
+HK$5,486/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,128/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,104
−HK$7,155/mo
▼ 0.25% · 3.875%
HK$117,653
−HK$3,606/mo
Today · 4.125%
HK$121,259
baseline
▲ 0.50% · 4.625%
HK$128,637
+HK$7,378/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,518/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,939
−HK$6,858/mo
▼ 0.25% · 3.875%
HK$130,343
−HK$3,454/mo
Today · 4.125%
HK$133,797
baseline
▲ 0.50% · 4.625%
HK$140,850
+HK$7,053/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,594/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,495 · Scale 2, in force from 26 Feb 2026)