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$63,509
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,485
−HK$2,007/mo
Today · 4.125%
HK$67,492
baseline
▲ 0.50% · 4.625%
HK$71,598
+HK$4,106/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$134,984/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,653
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,548
−HK$1,922/mo
Today · 4.125%
HK$74,470
baseline
▲ 0.50% · 4.625%
HK$78,396
+HK$3,926/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,940/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,211
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,582
−HK$2,408/mo
Today · 4.125%
HK$80,990
baseline
▲ 0.50% · 4.625%
HK$85,918
+HK$4,928/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,980/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,784
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,058
−HK$2,307/mo
Today · 4.125%
HK$89,365
baseline
▲ 0.50% · 4.625%
HK$94,075
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,730/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,913
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,678
−HK$2,810/mo
Today · 4.125%
HK$94,488
baseline
▲ 0.50% · 4.625%
HK$100,238
+HK$5,750/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$188,976/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,915
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,567
−HK$2,692/mo
Today · 4.125%
HK$104,259
baseline
▲ 0.50% · 4.625%
HK$109,754
+HK$5,495/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,518/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,316
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$117,872
−HK$3,613/mo
Today · 4.125%
HK$121,485
baseline
▲ 0.50% · 4.625%
HK$128,877
+HK$7,392/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$242,970/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,176
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,587
−HK$3,460/mo
Today · 4.125%
HK$134,047
baseline
▲ 0.50% · 4.625%
HK$141,113
+HK$7,066/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,094/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,700 · Scale 2, in force from 26 Feb 2026)