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$63,606
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,584
−HK$2,010/mo
Today · 4.125%
HK$67,594
baseline
▲ 0.50% · 4.625%
HK$71,707
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,188/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,761
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,659
−HK$1,925/mo
Today · 4.125%
HK$74,584
baseline
▲ 0.50% · 4.625%
HK$78,515
+HK$3,931/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,168/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,327
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,701
−HK$2,412/mo
Today · 4.125%
HK$81,113
baseline
▲ 0.50% · 4.625%
HK$86,049
+HK$4,936/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,226/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,913
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,190
−HK$2,311/mo
Today · 4.125%
HK$89,501
baseline
▲ 0.50% · 4.625%
HK$94,218
+HK$4,717/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,002/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,048
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,818
−HK$2,814/mo
Today · 4.125%
HK$94,632
baseline
▲ 0.50% · 4.625%
HK$100,390
+HK$5,758/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,264/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,065
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,722
−HK$2,695/mo
Today · 4.125%
HK$104,417
baseline
▲ 0.50% · 4.625%
HK$109,921
+HK$5,504/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,834/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,490
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$118,052
−HK$3,618/mo
Today · 4.125%
HK$121,670
baseline
▲ 0.50% · 4.625%
HK$129,073
+HK$7,403/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,340/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,369
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,785
−HK$3,466/mo
Today · 4.125%
HK$134,251
baseline
▲ 0.50% · 4.625%
HK$141,327
+HK$7,076/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,502/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,501 · Scale 2, in force from 26 Feb 2026)