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$63,796
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,780
−HK$2,016/mo
Today · 4.125%
HK$67,796
baseline
▲ 0.50% · 4.625%
HK$71,922
+HK$4,126/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,592/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,972
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,876
−HK$1,931/mo
Today · 4.125%
HK$74,807
baseline
▲ 0.50% · 4.625%
HK$78,750
+HK$3,943/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,614/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,555
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$78,936
−HK$2,420/mo
Today · 4.125%
HK$81,356
baseline
▲ 0.50% · 4.625%
HK$86,306
+HK$4,950/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$162,712/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,167
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$87,451
−HK$2,317/mo
Today · 4.125%
HK$89,768
baseline
▲ 0.50% · 4.625%
HK$94,500
+HK$4,732/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$179,536/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,314
−HK$5,601/mo
▼ 0.25% · 3.875%
HK$92,092
−HK$2,823/mo
Today · 4.125%
HK$94,915
baseline
▲ 0.50% · 4.625%
HK$100,690
+HK$5,775/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,830/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,189,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,361
−HK$5,368/mo
▼ 0.25% · 3.875%
HK$102,026
−HK$2,703/mo
Today · 4.125%
HK$104,729
baseline
▲ 0.50% · 4.625%
HK$110,250
+HK$5,521/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,458/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,189,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,833
−HK$7,201/mo
▼ 0.25% · 3.875%
HK$118,405
−HK$3,629/mo
Today · 4.125%
HK$122,034
baseline
▲ 0.50% · 4.625%
HK$129,459
+HK$7,425/mo
Deposit HK$2.80M · loan HK$25.18M · min. income ≈ HK$244,068/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,750
−HK$6,902/mo
▼ 0.25% · 3.875%
HK$131,176
−HK$3,476/mo
Today · 4.125%
HK$134,652
baseline
▲ 0.50% · 4.625%
HK$141,750
+HK$7,098/mo
Deposit HK$2.80M · loan HK$25.18M · min. income ≈ HK$269,304/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,045 · Scale 2, in force from 26 Feb 2026)