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$63,821
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,806
−HK$2,017/mo
Today · 4.125%
HK$67,823
baseline
▲ 0.50% · 4.625%
HK$71,950
+HK$4,127/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,646/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,000
−HK$3,836/mo
▼ 0.25% · 3.875%
HK$72,904
−HK$1,932/mo
Today · 4.125%
HK$74,836
baseline
▲ 0.50% · 4.625%
HK$78,781
+HK$3,945/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,672/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,585
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$78,967
−HK$2,421/mo
Today · 4.125%
HK$81,388
baseline
▲ 0.50% · 4.625%
HK$86,340
+HK$4,952/mo
Deposit HK$11.20M · loan HK$16.79M · min. income ≈ HK$162,776/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,200
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$87,485
−HK$2,318/mo
Today · 4.125%
HK$89,803
baseline
▲ 0.50% · 4.625%
HK$94,537
+HK$4,734/mo
Deposit HK$11.20M · loan HK$16.79M · min. income ≈ HK$179,606/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,349
−HK$5,603/mo
▼ 0.25% · 3.875%
HK$92,129
−HK$2,823/mo
Today · 4.125%
HK$94,952
baseline
▲ 0.50% · 4.625%
HK$100,730
+HK$5,778/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$189,904/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,400
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,066
−HK$2,704/mo
Today · 4.125%
HK$104,770
baseline
▲ 0.50% · 4.625%
HK$110,293
+HK$5,523/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$209,540/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,878
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,451
−HK$3,630/mo
Today · 4.125%
HK$122,081
baseline
▲ 0.50% · 4.625%
HK$129,510
+HK$7,429/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$244,162/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,800
−HK$6,905/mo
▼ 0.25% · 3.875%
HK$131,228
−HK$3,477/mo
Today · 4.125%
HK$134,705
baseline
▲ 0.50% · 4.625%
HK$141,805
+HK$7,100/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$269,410/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,511 · Scale 2, in force from 26 Feb 2026)