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$63,746
−HK$3,997/mo
▼ 0.25% · 3.875%
HK$65,728
−HK$2,015/mo
Today · 4.125%
HK$67,743
baseline
▲ 0.50% · 4.625%
HK$71,865
+HK$4,122/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,486/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,916
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,818
−HK$1,930/mo
Today · 4.125%
HK$74,748
baseline
▲ 0.50% · 4.625%
HK$78,688
+HK$3,940/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,496/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,495
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$78,874
−HK$2,418/mo
Today · 4.125%
HK$81,292
baseline
▲ 0.50% · 4.625%
HK$86,238
+HK$4,946/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,584/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,100
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$87,382
−HK$2,315/mo
Today · 4.125%
HK$89,697
baseline
▲ 0.50% · 4.625%
HK$94,425
+HK$4,728/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,394/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,244
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,020
−HK$2,820/mo
Today · 4.125%
HK$94,840
baseline
▲ 0.50% · 4.625%
HK$100,611
+HK$5,771/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,680/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,283
−HK$5,364/mo
▼ 0.25% · 3.875%
HK$101,946
−HK$2,701/mo
Today · 4.125%
HK$104,647
baseline
▲ 0.50% · 4.625%
HK$110,163
+HK$5,516/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,294/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,188,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,742
−HK$7,195/mo
▼ 0.25% · 3.875%
HK$118,311
−HK$3,626/mo
Today · 4.125%
HK$121,937
baseline
▲ 0.50% · 4.625%
HK$129,357
+HK$7,420/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$243,874/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,649
−HK$6,897/mo
▼ 0.25% · 3.875%
HK$131,073
−HK$3,473/mo
Today · 4.125%
HK$134,546
baseline
▲ 0.50% · 4.625%
HK$141,638
+HK$7,092/mo
Deposit HK$2.80M · loan HK$25.16M · min. income ≈ HK$269,092/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,108 · Scale 2, in force from 26 Feb 2026)