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$63,656
−HK$3,992/mo
▼ 0.25% · 3.875%
HK$65,636
−HK$2,012/mo
Today · 4.125%
HK$67,648
baseline
▲ 0.50% · 4.625%
HK$71,764
+HK$4,116/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,296/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,817
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,716
−HK$1,927/mo
Today · 4.125%
HK$74,643
baseline
▲ 0.50% · 4.625%
HK$78,577
+HK$3,934/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,286/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,186,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,387
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$78,763
−HK$2,414/mo
Today · 4.125%
HK$81,177
baseline
▲ 0.50% · 4.625%
HK$86,117
+HK$4,940/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,354/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,980
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$87,259
−HK$2,312/mo
Today · 4.125%
HK$89,571
baseline
▲ 0.50% · 4.625%
HK$94,293
+HK$4,722/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,142/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,118
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,890
−HK$2,817/mo
Today · 4.125%
HK$94,707
baseline
▲ 0.50% · 4.625%
HK$100,470
+HK$5,763/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$189,414/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,143
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,802
−HK$2,698/mo
Today · 4.125%
HK$104,500
baseline
▲ 0.50% · 4.625%
HK$110,008
+HK$5,508/mo
Deposit HK$8.37M · loan HK$19.54M · min. income ≈ HK$209,000/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,581
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$118,145
−HK$3,621/mo
Today · 4.125%
HK$121,766
baseline
▲ 0.50% · 4.625%
HK$129,175
+HK$7,409/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$243,532/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,470
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,889
−HK$3,468/mo
Today · 4.125%
HK$134,357
baseline
▲ 0.50% · 4.625%
HK$141,439
+HK$7,082/mo
Deposit HK$2.79M · loan HK$25.12M · min. income ≈ HK$268,714/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,436 · Scale 2, in force from 26 Feb 2026)