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$63,715
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,697
−HK$2,013/mo
Today · 4.125%
HK$67,710
baseline
▲ 0.50% · 4.625%
HK$71,830
+HK$4,120/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,420/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,882
−HK$3,830/mo
▼ 0.25% · 3.875%
HK$72,783
−HK$1,929/mo
Today · 4.125%
HK$74,712
baseline
▲ 0.50% · 4.625%
HK$78,650
+HK$3,938/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,424/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,458
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,836
−HK$2,416/mo
Today · 4.125%
HK$81,252
baseline
▲ 0.50% · 4.625%
HK$86,196
+HK$4,944/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,504/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,058
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,340
−HK$2,314/mo
Today · 4.125%
HK$89,654
baseline
▲ 0.50% · 4.625%
HK$94,380
+HK$4,726/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,308/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,201
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,975
−HK$2,819/mo
Today · 4.125%
HK$94,794
baseline
▲ 0.50% · 4.625%
HK$100,562
+HK$5,768/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,588/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,235
−HK$5,361/mo
▼ 0.25% · 3.875%
HK$101,896
−HK$2,700/mo
Today · 4.125%
HK$104,596
baseline
▲ 0.50% · 4.625%
HK$110,110
+HK$5,514/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,192/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,687
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,254
−HK$3,624/mo
Today · 4.125%
HK$121,878
baseline
▲ 0.50% · 4.625%
HK$129,294
+HK$7,416/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,756/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,588
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,009
−HK$3,472/mo
Today · 4.125%
HK$134,481
baseline
▲ 0.50% · 4.625%
HK$141,569
+HK$7,088/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$268,962/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,532 · Scale 2, in force from 26 Feb 2026)