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$63,379
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,351
−HK$2,003/mo
Today · 4.125%
HK$67,354
baseline
▲ 0.50% · 4.625%
HK$71,452
+HK$4,098/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,708/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,509
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,400
−HK$1,918/mo
Today · 4.125%
HK$74,318
baseline
▲ 0.50% · 4.625%
HK$78,236
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,636/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,055
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,421
−HK$2,403/mo
Today · 4.125%
HK$80,824
baseline
▲ 0.50% · 4.625%
HK$85,742
+HK$4,918/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,648/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,611
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,880
−HK$2,302/mo
Today · 4.125%
HK$89,182
baseline
▲ 0.50% · 4.625%
HK$93,883
+HK$4,701/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,364/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,731
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,491
−HK$2,804/mo
Today · 4.125%
HK$94,295
baseline
▲ 0.50% · 4.625%
HK$100,033
+HK$5,738/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,590/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,712
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,360
−HK$2,686/mo
Today · 4.125%
HK$104,046
baseline
▲ 0.50% · 4.625%
HK$109,530
+HK$5,484/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,092/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,083
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$117,631
−HK$3,606/mo
Today · 4.125%
HK$121,237
baseline
▲ 0.50% · 4.625%
HK$128,614
+HK$7,377/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,474/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,916
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,320
−HK$3,453/mo
Today · 4.125%
HK$133,773
baseline
▲ 0.50% · 4.625%
HK$140,824
+HK$7,051/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,546/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,280 · Scale 2, in force from 26 Feb 2026)