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$63,703
−HK$3,995/mo
▼ 0.25% · 3.875%
HK$65,685
−HK$2,013/mo
Today · 4.125%
HK$67,698
baseline
▲ 0.50% · 4.625%
HK$71,817
+HK$4,119/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,396/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,869
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,770
−HK$1,928/mo
Today · 4.125%
HK$74,698
baseline
▲ 0.50% · 4.625%
HK$78,635
+HK$3,937/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,396/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,444
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,821
−HK$2,416/mo
Today · 4.125%
HK$81,237
baseline
▲ 0.50% · 4.625%
HK$86,180
+HK$4,943/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,474/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,043
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,324
−HK$2,313/mo
Today · 4.125%
HK$89,637
baseline
▲ 0.50% · 4.625%
HK$94,362
+HK$4,725/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,274/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,184
−HK$5,593/mo
▼ 0.25% · 3.875%
HK$91,958
−HK$2,819/mo
Today · 4.125%
HK$94,777
baseline
▲ 0.50% · 4.625%
HK$100,544
+HK$5,767/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,554/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,217
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,877
−HK$2,700/mo
Today · 4.125%
HK$104,577
baseline
▲ 0.50% · 4.625%
HK$110,089
+HK$5,512/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,154/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,665
−HK$7,191/mo
▼ 0.25% · 3.875%
HK$118,232
−HK$3,624/mo
Today · 4.125%
HK$121,856
baseline
▲ 0.50% · 4.625%
HK$129,271
+HK$7,415/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,712/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,564
−HK$6,892/mo
▼ 0.25% · 3.875%
HK$130,985
−HK$3,471/mo
Today · 4.125%
HK$134,456
baseline
▲ 0.50% · 4.625%
HK$141,543
+HK$7,087/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,912/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,313 · Scale 2, in force from 26 Feb 2026)