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$63,335
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$65,305
−HK$2,002/mo
Today · 4.125%
HK$67,307
baseline
▲ 0.50% · 4.625%
HK$71,402
+HK$4,095/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,614/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,460
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,349
−HK$1,917/mo
Today · 4.125%
HK$74,266
baseline
▲ 0.50% · 4.625%
HK$78,181
+HK$3,915/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,532/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,002
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,366
−HK$2,402/mo
Today · 4.125%
HK$80,768
baseline
▲ 0.50% · 4.625%
HK$85,683
+HK$4,915/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$161,536/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,551
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,819
−HK$2,300/mo
Today · 4.125%
HK$89,119
baseline
▲ 0.50% · 4.625%
HK$93,817
+HK$4,698/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$178,238/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,669
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,427
−HK$2,802/mo
Today · 4.125%
HK$94,229
baseline
▲ 0.50% · 4.625%
HK$99,963
+HK$5,734/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,458/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,643
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,289
−HK$2,684/mo
Today · 4.125%
HK$103,973
baseline
▲ 0.50% · 4.625%
HK$109,453
+HK$5,480/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,946/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,003
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$117,549
−HK$3,603/mo
Today · 4.125%
HK$121,152
baseline
▲ 0.50% · 4.625%
HK$128,524
+HK$7,372/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$242,304/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,827
−HK$6,852/mo
▼ 0.25% · 3.875%
HK$130,229
−HK$3,450/mo
Today · 4.125%
HK$133,679
baseline
▲ 0.50% · 4.625%
HK$140,726
+HK$7,047/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$267,358/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,454 · Scale 2, in force from 26 Feb 2026)