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$63,455
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,428
−HK$2,006/mo
Today · 4.125%
HK$67,434
baseline
▲ 0.50% · 4.625%
HK$71,537
+HK$4,103/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,868/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,593
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,486
−HK$1,920/mo
Today · 4.125%
HK$74,406
baseline
▲ 0.50% · 4.625%
HK$78,329
+HK$3,923/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,812/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,145
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$78,514
−HK$2,406/mo
Today · 4.125%
HK$80,920
baseline
▲ 0.50% · 4.625%
HK$85,844
+HK$4,924/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,840/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,711
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,983
−HK$2,305/mo
Today · 4.125%
HK$89,288
baseline
▲ 0.50% · 4.625%
HK$93,994
+HK$4,706/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,576/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,836
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,600
−HK$2,807/mo
Today · 4.125%
HK$94,407
baseline
▲ 0.50% · 4.625%
HK$100,152
+HK$5,745/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,814/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,830
−HK$5,339/mo
▼ 0.25% · 3.875%
HK$101,480
−HK$2,689/mo
Today · 4.125%
HK$104,169
baseline
▲ 0.50% · 4.625%
HK$109,660
+HK$5,491/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,338/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,218
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,771
−HK$3,610/mo
Today · 4.125%
HK$121,381
baseline
▲ 0.50% · 4.625%
HK$128,766
+HK$7,385/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,762/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,067
−HK$6,865/mo
▼ 0.25% · 3.875%
HK$130,474
−HK$3,458/mo
Today · 4.125%
HK$133,932
baseline
▲ 0.50% · 4.625%
HK$140,991
+HK$7,059/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,864/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,683 · Scale 2, in force from 26 Feb 2026)