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$63,415
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,387
−HK$2,004/mo
Today · 4.125%
HK$67,391
baseline
▲ 0.50% · 4.625%
HK$71,492
+HK$4,101/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,782/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,548
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,440
−HK$1,920/mo
Today · 4.125%
HK$74,360
baseline
▲ 0.50% · 4.625%
HK$78,279
+HK$3,919/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,720/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,181,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,098
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$78,465
−HK$2,405/mo
Today · 4.125%
HK$80,870
baseline
▲ 0.50% · 4.625%
HK$85,790
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$161,740/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,658
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,928
−HK$2,304/mo
Today · 4.125%
HK$89,232
baseline
▲ 0.50% · 4.625%
HK$93,935
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.69M · min. income ≈ HK$178,464/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,181,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,781
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,542
−HK$2,806/mo
Today · 4.125%
HK$94,348
baseline
▲ 0.50% · 4.625%
HK$100,089
+HK$5,741/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,696/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,181,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,768
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,417
−HK$2,687/mo
Today · 4.125%
HK$104,104
baseline
▲ 0.50% · 4.625%
HK$109,591
+HK$5,487/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,208/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,181,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,147
−HK$7,158/mo
▼ 0.25% · 3.875%
HK$117,697
−HK$3,608/mo
Today · 4.125%
HK$121,305
baseline
▲ 0.50% · 4.625%
HK$128,686
+HK$7,381/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,610/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,987
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,393
−HK$3,455/mo
Today · 4.125%
HK$133,848
baseline
▲ 0.50% · 4.625%
HK$140,903
+HK$7,055/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,696/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,941 · Scale 2, in force from 26 Feb 2026)