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$63,719
−HK$3,996/mo
▼ 0.25% · 3.875%
HK$65,701
−HK$2,014/mo
Today · 4.125%
HK$67,715
baseline
▲ 0.50% · 4.625%
HK$71,835
+HK$4,120/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,430/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,887
−HK$3,829/mo
▼ 0.25% · 3.875%
HK$72,788
−HK$1,928/mo
Today · 4.125%
HK$74,716
baseline
▲ 0.50% · 4.625%
HK$78,655
+HK$3,939/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,432/mo (50% DSR)
Upfront cash ≈ HK$15.16M (deposit + AVD stamp duty HK$1,187,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,463
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$78,841
−HK$2,416/mo
Today · 4.125%
HK$81,257
baseline
▲ 0.50% · 4.625%
HK$86,202
+HK$4,945/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$162,514/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,064
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$87,345
−HK$2,315/mo
Today · 4.125%
HK$89,660
baseline
▲ 0.50% · 4.625%
HK$94,386
+HK$4,726/mo
Deposit HK$11.18M · loan HK$16.77M · min. income ≈ HK$179,320/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,187,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,206
−HK$5,594/mo
▼ 0.25% · 3.875%
HK$91,981
−HK$2,819/mo
Today · 4.125%
HK$94,800
baseline
▲ 0.50% · 4.625%
HK$100,569
+HK$5,769/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$189,600/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,241
−HK$5,362/mo
▼ 0.25% · 3.875%
HK$101,903
−HK$2,700/mo
Today · 4.125%
HK$104,603
baseline
▲ 0.50% · 4.625%
HK$110,117
+HK$5,514/mo
Deposit HK$8.38M · loan HK$19.56M · min. income ≈ HK$209,206/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,694
−HK$7,192/mo
▼ 0.25% · 3.875%
HK$118,261
−HK$3,625/mo
Today · 4.125%
HK$121,886
baseline
▲ 0.50% · 4.625%
HK$129,303
+HK$7,417/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$243,772/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,596
−HK$6,893/mo
▼ 0.25% · 3.875%
HK$131,018
−HK$3,471/mo
Today · 4.125%
HK$134,489
baseline
▲ 0.50% · 4.625%
HK$141,578
+HK$7,089/mo
Deposit HK$2.79M · loan HK$25.15M · min. income ≈ HK$268,978/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,608 · Scale 2, in force from 26 Feb 2026)