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$63,648
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$65,627
−HK$2,012/mo
Today · 4.125%
HK$67,639
baseline
▲ 0.50% · 4.625%
HK$71,754
+HK$4,115/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,278/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,807
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,706
−HK$1,927/mo
Today · 4.125%
HK$74,633
baseline
▲ 0.50% · 4.625%
HK$78,567
+HK$3,934/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,266/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,377
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,753
−HK$2,414/mo
Today · 4.125%
HK$81,167
baseline
▲ 0.50% · 4.625%
HK$86,105
+HK$4,938/mo
Deposit HK$11.16M · loan HK$16.75M · min. income ≈ HK$162,334/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,969
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$87,248
−HK$2,311/mo
Today · 4.125%
HK$89,559
baseline
▲ 0.50% · 4.625%
HK$94,280
+HK$4,721/mo
Deposit HK$11.16M · loan HK$16.75M · min. income ≈ HK$179,118/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,107
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$91,878
−HK$2,816/mo
Today · 4.125%
HK$94,694
baseline
▲ 0.50% · 4.625%
HK$100,456
+HK$5,762/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$189,388/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,130
−HK$5,356/mo
▼ 0.25% · 3.875%
HK$101,789
−HK$2,697/mo
Today · 4.125%
HK$104,486
baseline
▲ 0.50% · 4.625%
HK$109,993
+HK$5,507/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$208,972/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,566
−HK$7,184/mo
▼ 0.25% · 3.875%
HK$118,129
−HK$3,621/mo
Today · 4.125%
HK$121,750
baseline
▲ 0.50% · 4.625%
HK$129,158
+HK$7,408/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$243,500/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,453
−HK$6,886/mo
▼ 0.25% · 3.875%
HK$130,871
−HK$3,468/mo
Today · 4.125%
HK$134,339
baseline
▲ 0.50% · 4.625%
HK$141,420
+HK$7,081/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$268,678/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,280 · Scale 2, in force from 26 Feb 2026)