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$63,572
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,549
−HK$2,010/mo
Today · 4.125%
HK$67,559
baseline
▲ 0.50% · 4.625%
HK$71,669
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,118/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,723
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,620
−HK$1,924/mo
Today · 4.125%
HK$74,544
baseline
▲ 0.50% · 4.625%
HK$78,473
+HK$3,929/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,088/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,286
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,659
−HK$2,411/mo
Today · 4.125%
HK$81,070
baseline
▲ 0.50% · 4.625%
HK$86,003
+HK$4,933/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,140/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,868
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$87,144
−HK$2,309/mo
Today · 4.125%
HK$89,453
baseline
▲ 0.50% · 4.625%
HK$94,168
+HK$4,715/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,906/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,001
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$91,769
−HK$2,813/mo
Today · 4.125%
HK$94,582
baseline
▲ 0.50% · 4.625%
HK$100,337
+HK$5,755/mo
Deposit HK$8.36M · loan HK$19.52M · min. income ≈ HK$189,164/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,012
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,668
−HK$2,694/mo
Today · 4.125%
HK$104,362
baseline
▲ 0.50% · 4.625%
HK$109,863
+HK$5,501/mo
Deposit HK$8.36M · loan HK$19.52M · min. income ≈ HK$208,724/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,430
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$117,989
−HK$3,616/mo
Today · 4.125%
HK$121,605
baseline
▲ 0.50% · 4.625%
HK$129,005
+HK$7,400/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,210/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,302
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$130,716
−HK$3,463/mo
Today · 4.125%
HK$134,179
baseline
▲ 0.50% · 4.625%
HK$141,252
+HK$7,073/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,358/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,872 · Scale 2, in force from 26 Feb 2026)