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$63,430
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,403
−HK$2,005/mo
Today · 4.125%
HK$67,408
baseline
▲ 0.50% · 4.625%
HK$71,510
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,816/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,566
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,458
−HK$1,920/mo
Today · 4.125%
HK$74,378
baseline
▲ 0.50% · 4.625%
HK$78,299
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,756/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,116
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,484
−HK$2,406/mo
Today · 4.125%
HK$80,890
baseline
▲ 0.50% · 4.625%
HK$85,812
+HK$4,922/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,780/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,679
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,950
−HK$2,304/mo
Today · 4.125%
HK$89,254
baseline
▲ 0.50% · 4.625%
HK$93,958
+HK$4,704/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,508/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,802
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$91,565
−HK$2,806/mo
Today · 4.125%
HK$94,371
baseline
▲ 0.50% · 4.625%
HK$100,113
+HK$5,742/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$188,742/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,792
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,441
−HK$2,688/mo
Today · 4.125%
HK$104,129
baseline
▲ 0.50% · 4.625%
HK$109,618
+HK$5,489/mo
Deposit HK$8.35M · loan HK$19.47M · min. income ≈ HK$208,258/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,175
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$117,726
−HK$3,608/mo
Today · 4.125%
HK$121,334
baseline
▲ 0.50% · 4.625%
HK$128,717
+HK$7,383/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,668/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,018
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$130,425
−HK$3,456/mo
Today · 4.125%
HK$133,881
baseline
▲ 0.50% · 4.625%
HK$140,938
+HK$7,057/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,762/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,231 · Scale 2, in force from 26 Feb 2026)